Century Bank of Kentucky, Inc.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 56.7% lower than in Q1 2026, at $1.5M. Within Kentucky, Century Bank of Kentucky, Inc. is 83rd of 120 on loan-to-deposit ratio, 76.00% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Century Bank of Kentucky, Inc. sits 4.84 points lower, at 76.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $60.9M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.72% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.00% |
| Net loans and leases to deposits | 75.29% |
| Loans and leases to core deposits | 79.38% |
| Core deposits to total deposits | 95.74% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 73.44% | 99.03% | $0 | $0 |
| Q4 2023 | 73.75% | 99.07% | $0 | $0 |
| Q1 2024 | 76.26% | 99.04% | $0 | $0 |
| Q2 2024 | 76.19% | 99.05% | $17K | $0 |
| Q3 2024 | 75.21% | 98.76% | $0 | $0 |
| Q4 2024 | 72.33% | 98.31% | $0 | $0 |
| Q1 2025 | 71.43% | 98.22% | $0 | $0 |
| Q2 2025 | 74.13% | 97.89% | $0 | $0 |
| Q3 2025 | 75.40% | 97.79% | $38K | $0 |
| Q4 2025 | 76.20% | 97.80% | $0 | $0 |
| Q1 2026 | 75.73% | 95.41% | $0 | $0 |
| Q2 2026 | 76.00% | 95.74% | $0 | $0 |
Century Bank of Kentucky, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank of Kentucky, Inc., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Century Bank of Kentucky, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35450) · FFIEC NIC profile (RSSD 2920287)