Community Trust Bank, 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 climbed 43.9% in Q2 2026, from $353.0M to $508.1M. It was the largest change from Q1 2026 among the key lines here. Community Trust Bank, Inc. ranks 37th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 90.46% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Community Trust Bank, Inc. reported 90.46% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $508.1M |
| Cash and noninterest-bearing balances to assets | 7.31% |
| Cash and securities | $1.53B |
| 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 | $297.6M |
| Other borrowed money | $10.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.46% |
| Net loans and leases to deposits | 89.35% |
| Loans and leases to core deposits | 99.77% |
| Core deposits to total deposits | 90.67% |
| 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 | 85.88% | 93.85% | $233.1M | $10.3M |
| Q4 2023 | 85.62% | 93.66% | $225.7M | $10.2M |
| Q1 2024 | 86.86% | 93.99% | $235.2M | $10.1M |
| Q2 2024 | 89.89% | 94.21% | $228.1M | $10.1M |
| Q3 2024 | 89.79% | 93.06% | $233.8M | $9.9M |
| Q4 2024 | 88.31% | 92.68% | $240.7M | $9.9M |
| Q1 2025 | 90.50% | 92.70% | $247.1M | $9.9M |
| Q2 2025 | 89.76% | 92.13% | $225.6M | $9.8M |
| Q3 2025 | 88.92% | 91.17% | $285.4M | $10.9M |
| Q4 2025 | 90.72% | 91.31% | $309.3M | $10.7M |
| Q1 2026 | 91.71% | 91.56% | $299.2M | $10.7M |
| Q2 2026 | 90.46% | 90.67% | $297.6M | $10.6M |
Community Trust Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Trust Bank, 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 Community Trust Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2720) · FFIEC NIC profile (RSSD 509811)