First Federal Savings Bank of Kentucky: 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 87.6% in Q2 2026, from $4.3M to $536K. It was the largest change from Q1 2026 among the key lines here. Among 120 Kentucky banks, First Federal Savings Bank of Kentucky sits 4th from the top on loan-to-deposit ratio, 119.89% as of Q2 2026. First Federal Savings Bank of Kentucky reported 119.89% on loan-to-deposit ratio for Q2 2026, 39.06 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.7M |
| Fed funds sold and reverse repos | $536K |
| 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 | $42.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 119.89% |
| Net loans and leases to deposits | 119.06% |
| Loans and leases to core deposits | 133.73% |
| Core deposits to total deposits | 79.04% |
| Brokered deposits to total deposits | 10.61% |
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 | 121.36% | 76.05% | $0 | $39.4M |
| Q4 2023 | 130.29% | 77.15% | $0 | $57.6M |
| Q1 2024 | 124.19% | 73.67% | $0 | $49.5M |
| Q2 2024 | 124.08% | 73.50% | $0 | $51.9M |
| Q3 2024 | 127.03% | 75.87% | $0 | $55.1M |
| Q4 2024 | 120.42% | 74.22% | $0 | $47.9M |
| Q1 2025 | 113.74% | 74.26% | $0 | $41.6M |
| Q2 2025 | 115.12% | 74.41% | $0 | $35.1M |
| Q3 2025 | 113.73% | 74.24% | $0 | $35.1M |
| Q4 2025 | 118.51% | 75.86% | $0 | $43.4M |
| Q1 2026 | 118.23% | 75.45% | $0 | $41.4M |
| Q2 2026 | 119.89% | 79.04% | $0 | $42.4M |
First Federal Savings Bank of Kentucky liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Kentucky, 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 First Federal Savings Bank of Kentucky profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29937) · FFIEC NIC profile (RSSD 741974)