Citizens Federal Savings and Loan Association of Covington: 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 Cash and balances due from depository institutions: 75.9% higher than in Q1 2026, at $4.0M. Among 120 Kentucky banks, Citizens Federal Savings and Loan Association of Covington sits 7th from the top on loan-to-deposit ratio, 108.86% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Citizens Federal Savings and Loan Association of Covington reported 108.86% on loan-to-deposit ratio in Q2 2026, 41.23 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $11.0M |
| 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 | $0 |
| Other borrowed money | $2.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.86% |
| Net loans and leases to deposits | 107.89% |
| Loans and leases to core deposits | 127.74% |
| Core deposits to total deposits | 85.22% |
| 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 | 115.06% | 95.68% | $0 | $3.0M |
| Q4 2023 | 122.15% | 96.77% | $0 | $3.8M |
| Q1 2024 | 117.64% | 91.10% | $0 | $3.6M |
| Q2 2024 | 119.96% | 91.24% | $0 | $3.5M |
| Q3 2024 | 114.01% | 90.72% | $0 | $3.5M |
| Q4 2024 | 118.57% | 90.19% | $0 | $3.2M |
| Q1 2025 | 113.45% | 87.63% | $0 | $3.0M |
| Q2 2025 | 113.46% | 87.44% | $0 | $2.9M |
| Q3 2025 | 115.93% | 87.39% | $0 | $2.9M |
| Q4 2025 | 119.43% | 87.05% | $0 | $2.6M |
| Q1 2026 | 115.95% | 87.93% | $0 | $2.5M |
| Q2 2026 | 108.86% | 85.22% | $0 | $2.4M |
Citizens Federal Savings and Loan Association of Covington liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Federal Savings and Loan Association of Covington, 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 Federal Savings and Loan Association of Covington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27841) · FFIEC NIC profile (RSSD 673477)