Citizens Bank of Cumberland County, 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.
Fed funds purchased and repos climbed 30.3% in Q2 2026, from $1.9M to $2.5M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Citizens Bank of Cumberland County, Inc. is 56th of 120 on loan-to-deposit ratio, 84.43% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Citizens Bank of Cumberland County, Inc. sits 16.81 points higher, at 84.43% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.3M |
| Fed funds sold and reverse repos | $4.9M |
| Fed funds sold and reverse repos to assets | 5.21% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.5M |
| 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 | 84.43% |
| Net loans and leases to deposits | 83.56% |
| Loans and leases to core deposits | 89.95% |
| Core deposits to total deposits | 93.86% |
| 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 | 80.84% | 93.97% | $2.4M | $0 |
| Q4 2023 | 78.12% | 93.88% | $2.1M | $0 |
| Q1 2024 | 84.37% | 93.51% | $1.8M | $0 |
| Q2 2024 | 80.42% | 95.45% | $2.5M | $0 |
| Q3 2024 | 83.54% | 94.56% | $2.3M | $0 |
| Q4 2024 | 81.20% | 95.08% | $1.7M | $0 |
| Q1 2025 | 82.82% | 94.18% | $4.0M | $0 |
| Q2 2025 | 82.23% | 94.33% | $3.7M | $0 |
| Q3 2025 | 81.32% | 93.37% | $3.7M | $0 |
| Q4 2025 | 80.08% | 92.92% | $2.1M | $0 |
| Q1 2026 | 82.09% | 92.88% | $1.9M | $0 |
| Q2 2026 | 84.43% | 93.86% | $2.5M | $0 |
Citizens Bank of Cumberland County, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Cumberland County, 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 Citizens Bank of Cumberland County, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35442) · FFIEC NIC profile (RSSD 2921622)