Cumberland Security 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 32.0% in Q2 2026, from $29.2M to $38.5M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Cumberland Security Bank, Inc. is 21st of 120 on loan-to-deposit ratio, 96.37% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Cumberland Security Bank, Inc. sits 15.53 points higher, at 96.37% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $77.1M |
| Fed funds sold and reverse repos | $790K |
| Fed funds sold and reverse repos to assets | 0.19% |
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 | 96.37% |
| Net loans and leases to deposits | 93.74% |
| Loans and leases to core deposits | 107.94% |
| Core deposits to total deposits | 89.28% |
| 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 | 93.27% | 97.09% | $0 | $0 |
| Q4 2023 | 93.91% | 94.74% | $0 | $0 |
| Q1 2024 | 95.43% | 91.53% | $0 | $0 |
| Q2 2024 | 93.13% | 91.71% | $0 | $0 |
| Q3 2024 | 92.58% | 91.50% | $0 | $0 |
| Q4 2024 | 95.05% | 91.35% | $0 | $0 |
| Q1 2025 | 99.73% | 89.21% | $0 | $0 |
| Q2 2025 | 93.04% | 86.93% | $0 | $0 |
| Q3 2025 | 94.83% | 87.41% | $0 | $0 |
| Q4 2025 | 94.01% | 86.44% | $0 | $0 |
| Q1 2026 | 98.44% | 88.94% | $0 | $0 |
| Q2 2026 | 96.37% | 89.28% | $0 | $0 |
Cumberland Security Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Security 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 Cumberland Security Bank, Inc. profile, peer group comparison, or how this data updates.
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