Eclipse 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.
Fed funds sold and reverse repos dropped 21.9% in Q2 2026, from $18.5M to $14.4M. It was the largest change from Q1 2026 among the key lines here. Among 120 Kentucky banks, Eclipse Bank, Inc. sits 2nd from the top on loan-to-deposit ratio, 121.76% as of Q2 2026. Against a median of 80.55% for banks in the $100M-1B asset tier, Eclipse Bank, Inc. reported 121.76% on loan-to-deposit ratio in Q2 2026, 41.21 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.5M |
| Fed funds sold and reverse repos | $14.4M |
| Fed funds sold and reverse repos to assets | 2.97% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $99.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 20.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 121.76% |
| Net loans and leases to deposits | 120.67% |
| Loans and leases to core deposits | 127.32% |
| Core deposits to total deposits | 84.31% |
| Brokered deposits to total deposits | 11.32% |
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 | 120.11% | 78.56% | $0 | $102.2M |
| Q4 2023 | 118.34% | 78.98% | $0 | $102.8M |
| Q1 2024 | 112.67% | 78.48% | $0 | $88.0M |
| Q2 2024 | 113.68% | 77.84% | $0 | $80.7M |
| Q3 2024 | 116.74% | 71.51% | $0 | $88.8M |
| Q4 2024 | 118.28% | 71.79% | $0 | $91.6M |
| Q1 2025 | 118.33% | 83.16% | $0 | $89.8M |
| Q2 2025 | 122.69% | 83.71% | $0 | $97.3M |
| Q3 2025 | 117.68% | 83.94% | $0 | $87.3M |
| Q4 2025 | 120.26% | 84.05% | $0 | $92.3M |
| Q1 2026 | 121.69% | 84.46% | $0 | $102.1M |
| Q2 2026 | 121.76% | 84.31% | $0 | $99.0M |
Eclipse Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Eclipse 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 Eclipse Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58049) · FFIEC NIC profile (RSSD 3347603)