Elkton Bank & Trust Company: 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 Fed funds sold and reverse repos: 20.2% lower than in Q1 2026, at $1.9M. On loan-to-deposit ratio, Elkton Bank & Trust Company is 7th from the bottom among 120 Kentucky banks, 48.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Elkton Bank & Trust Company sits 32.35 points lower, at 48.49% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $112.6M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 0.96% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.7M |
| 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 | 48.49% |
| Net loans and leases to deposits | 48.02% |
| Loans and leases to core deposits | 53.36% |
| Core deposits to total deposits | 90.88% |
| 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 | 39.50% | 95.31% | $2.7M | $0 |
| Q4 2023 | 41.98% | 94.07% | $2.8M | $0 |
| Q1 2024 | 42.38% | 93.45% | $3.6M | $0 |
| Q2 2024 | 44.01% | 95.64% | $3.7M | $0 |
| Q3 2024 | 48.73% | 96.19% | $4.0M | $0 |
| Q4 2024 | 49.23% | 96.17% | $4.0M | $0 |
| Q1 2025 | 48.97% | 92.24% | $4.4M | $0 |
| Q2 2025 | 50.01% | 92.18% | $4.1M | $0 |
| Q3 2025 | 51.05% | 91.28% | $4.1M | $0 |
| Q4 2025 | 52.97% | 90.86% | $4.1M | $0 |
| Q1 2026 | 47.97% | 90.91% | $4.1M | $0 |
| Q2 2026 | 48.49% | 90.88% | $3.7M | $0 |
Elkton Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Elkton Bank & Trust Company, 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 Elkton Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12162) · FFIEC NIC profile (RSSD 998648)