Edmonton State 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.
Loans and leases to core deposits climbed 4.08 percentage points in Q2 2026, from 93.74% to 97.83%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Edmonton State Bank is 32nd of 120 on loan-to-deposit ratio, 92.79% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Edmonton State Bank sits 4.59 points higher, at 92.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $127.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $184.0M |
| 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 | $1.6M |
| Other borrowed money | $6.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.79% |
| Net loans and leases to deposits | 91.75% |
| Loans and leases to core deposits | 97.83% |
| Core deposits to total deposits | 94.85% |
| 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 | 89.84% | 96.64% | $1.5M | $8.3M |
| Q4 2023 | 93.44% | 95.51% | $1.9M | $8.1M |
| Q1 2024 | 89.87% | 95.38% | $2.1M | $7.9M |
| Q2 2024 | 89.95% | 94.94% | $1.9M | $7.8M |
| Q3 2024 | 89.80% | 94.77% | $1.9M | $7.6M |
| Q4 2024 | 98.91% | 93.80% | $1.8M | $7.4M |
| Q1 2025 | 89.07% | 94.65% | $2.2M | $7.3M |
| Q2 2025 | 87.32% | 94.26% | $2.1M | $7.1M |
| Q3 2025 | 88.67% | 93.99% | $1.6M | $6.9M |
| Q4 2025 | 89.11% | 94.61% | $1.5M | $6.8M |
| Q1 2026 | 88.83% | 94.76% | $1.8M | $6.6M |
| Q2 2026 | 92.79% | 94.85% | $1.6M | $6.4M |
Edmonton State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Edmonton State 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 Edmonton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9678) · FFIEC NIC profile (RSSD 845247)