The First National Bank of Grayson: 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 Loans and leases to core deposits: 3.86 percentage points higher than in Q1 2026, at 79.33%. The First National Bank of Grayson ranks 88th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 73.70% (Q2 2026). The First National Bank of Grayson reported 73.70% on loan-to-deposit ratio for Q2 2026, 7.14 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 | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $123.4M |
| Fed funds sold and reverse repos | $967K |
| Fed funds sold and reverse repos to assets | 0.26% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $511K |
| 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 | 73.70% |
| Net loans and leases to deposits | 72.85% |
| Loans and leases to core deposits | 79.33% |
| Core deposits to total deposits | 92.90% |
| 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 | 69.56% | 96.07% | $615K | $725K |
| Q4 2023 | 68.82% | 92.33% | $615K | $0 |
| Q1 2024 | 70.70% | 92.27% | $615K | $0 |
| Q2 2024 | 69.97% | 91.66% | $615K | $0 |
| Q3 2024 | 63.15% | 89.09% | $615K | $0 |
| Q4 2024 | 65.60% | 88.92% | $615K | $0 |
| Q1 2025 | 65.74% | 92.03% | $615K | $0 |
| Q2 2025 | 68.71% | 90.96% | $615K | $0 |
| Q3 2025 | 69.99% | 95.46% | $615K | $0 |
| Q4 2025 | 71.78% | 95.53% | $615K | $0 |
| Q1 2026 | 72.05% | 95.46% | $510K | $0 |
| Q2 2026 | 73.70% | 92.90% | $511K | $0 |
The First National Bank of Grayson liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Grayson, 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 The First National Bank of Grayson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2695) · FFIEC NIC profile (RSSD 610913)