Citizens 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.
Cash and balances due from depository institutions dropped 35.6% in Q2 2026, from $37.2M to $23.9M. It was the largest change from Q1 2026 among the key lines here. Citizens Bank of Kentucky, Inc has the 9th lowest loan-to-deposit ratio of the 120 banks headquartered in Kentucky, at 60.69% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Citizens Bank of Kentucky, Inc sits 20.15 points lower, at 60.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $276.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.9M |
| 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 | 60.69% |
| Net loans and leases to deposits | 59.82% |
| Loans and leases to core deposits | 65.90% |
| Core deposits to total deposits | 92.09% |
| 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 | 51.36% | 93.99% | $2.1M | $0 |
| Q4 2023 | 54.80% | 93.66% | $1.5M | $0 |
| Q1 2024 | 55.16% | 93.39% | $1.7M | $0 |
| Q2 2024 | 58.89% | 92.94% | $1.7M | $12.7M |
| Q3 2024 | 54.64% | 92.28% | $1.9M | $0 |
| Q4 2024 | 56.22% | 91.23% | $1.3M | $0 |
| Q1 2025 | 55.80% | 91.78% | $1.5M | $0 |
| Q2 2025 | 55.21% | 91.95% | $2.0M | $0 |
| Q3 2025 | 53.64% | 92.13% | $1.5M | $0 |
| Q4 2025 | 56.94% | 91.90% | $1.6M | $0 |
| Q1 2026 | 58.12% | 91.71% | $1.5M | $0 |
| Q2 2026 | 60.69% | 92.09% | $1.9M | $0 |
Citizens 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 Citizens 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 Citizens Bank of Kentucky, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2718) · FFIEC NIC profile (RSSD 495419)