First Kentucky 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 45.5% lower than in Q1 2026, at $12.2M. First Kentucky Bank, Inc. ranks 95th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 71.14% (Q2 2026). First Kentucky Bank, Inc. reported 71.14% on loan-to-deposit ratio for Q2 2026, 9.70 points below 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 | $12.2M |
| Cash and noninterest-bearing balances to assets | 2.05% |
| Cash and securities | $201.4M |
| Fed funds sold and reverse repos | $252K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $12.6M |
| Other borrowed money | $15.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.14% |
| Net loans and leases to deposits | 70.18% |
| Loans and leases to core deposits | 81.10% |
| Core deposits to total deposits | 86.14% |
| Brokered deposits to total deposits | 1.57% |
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 | 66.73% | 92.49% | $0 | $9.4M |
| Q4 2023 | 69.28% | 88.03% | $0 | $20.2M |
| Q1 2024 | 67.86% | 87.47% | $0 | $20.1M |
| Q2 2024 | 68.91% | 86.92% | $4.8M | $20.0M |
| Q3 2024 | 70.25% | 86.15% | $9.4M | $15.8M |
| Q4 2024 | 68.86% | 87.76% | $10.2M | $15.7M |
| Q1 2025 | 68.10% | 89.25% | $11.3M | $15.6M |
| Q2 2025 | 70.26% | 89.35% | $9.3M | $15.5M |
| Q3 2025 | 71.07% | 86.01% | $18.7M | $15.4M |
| Q4 2025 | 70.53% | 86.26% | $15.8M | $15.3M |
| Q1 2026 | 68.63% | 86.38% | $11.9M | $15.3M |
| Q2 2026 | 71.14% | 86.14% | $12.6M | $15.3M |
First Kentucky Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Kentucky 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 First Kentucky Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21247) · FFIEC NIC profile (RSSD 263243)