First National 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.
Loan-to-deposit ratio rose 0.71 percentage points from Q1 2026 to Q2 2026, ending at 90.23% against 89.52%. It was the largest change among the key lines on this page. Within Kentucky, First National Bank of Kentucky is 38th of 120 on loan-to-deposit ratio, 90.23% as of Q2 2026, above the middle of the field. First National Bank of Kentucky reported 90.23% on loan-to-deposit ratio for Q2 2026, 9.39 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 | $18.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.7M |
| Fed funds sold and reverse repos | $524K |
| Fed funds sold and reverse repos to assets | 0.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.23% |
| Net loans and leases to deposits | 88.92% |
| Loans and leases to core deposits | 100.39% |
| Core deposits to total deposits | 89.88% |
| 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 | 88.57% | 90.54% | $0 | $7.4M |
| Q4 2023 | 88.95% | 91.64% | $0 | $7.2M |
| Q1 2024 | 88.13% | 90.98% | $0 | $7.0M |
| Q2 2024 | 90.87% | 89.73% | $0 | $8.9M |
| Q3 2024 | 91.72% | 91.36% | $0 | $6.6M |
| Q4 2024 | 86.59% | 90.80% | $0 | $6.4M |
| Q1 2025 | 85.88% | 90.84% | $0 | $6.3M |
| Q2 2025 | 88.11% | 91.76% | $0 | $6.1M |
| Q3 2025 | 92.19% | 90.46% | $0 | $5.9M |
| Q4 2025 | 94.37% | 89.26% | $0 | $5.8M |
| Q1 2026 | 89.52% | 89.52% | $0 | $5.7M |
| Q2 2026 | 90.23% | 89.88% | $0 | $5.6M |
First National 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 National 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 National Bank of Kentucky profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2735) · FFIEC NIC profile (RSSD 907444)