Clinton Bank: 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 Loans and leases to core deposits: 8.02 percentage points higher than in Q1 2026, at 107.87%. Within Kentucky, Clinton Bank is 42nd of 120 on loan-to-deposit ratio, 88.03% as of Q2 2026, above the middle of the field. Clinton Bank reported 88.03% on loan-to-deposit ratio for Q2 2026, 20.41 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.9M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 2.74% |
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 | 88.03% |
| Net loans and leases to deposits | 86.94% |
| Loans and leases to core deposits | 107.87% |
| Core deposits to total deposits | 81.61% |
| Brokered deposits to total deposits | 0.85% |
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 | 72.60% | 94.72% | $0 | $1.0M |
| Q4 2023 | 63.57% | 84.86% | $0 | $1.0M |
| Q1 2024 | 73.16% | 87.11% | $0 | $0 |
| Q2 2024 | 77.63% | 86.75% | $938K | $0 |
| Q3 2024 | 75.74% | 80.10% | $0 | $0 |
| Q4 2024 | 72.49% | 83.05% | $0 | $0 |
| Q1 2025 | 74.21% | 80.97% | $0 | $0 |
| Q2 2025 | 72.94% | 80.73% | $0 | $0 |
| Q3 2025 | 80.46% | 80.00% | $0 | $0 |
| Q4 2025 | 83.56% | 81.01% | $0 | $0 |
| Q1 2026 | 84.83% | 84.95% | $0 | $0 |
| Q2 2026 | 88.03% | 81.61% | $0 | $0 |
Clinton Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Clinton Bank, 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 Clinton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 304) · FFIEC NIC profile (RSSD 782548)