The First National Bank of Manchester: 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.
Loans and leases to core deposits climbed 5.63 percentage points in Q2 2026, from 104.90% to 110.53%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Manchester ranks 81st of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 76.25% (Q2 2026). The First National Bank of Manchester reported 76.25% on loan-to-deposit ratio for Q2 2026, 4.58 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 | $19.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 76.25% |
| Net loans and leases to deposits | 75.19% |
| Loans and leases to core deposits | 110.53% |
| Core deposits to total deposits | 68.99% |
| 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 | 69.18% | 78.66% | $0 | $0 |
| Q4 2023 | 70.70% | 77.54% | $0 | $0 |
| Q1 2024 | 71.30% | 77.40% | $0 | $0 |
| Q2 2024 | 78.87% | 76.22% | $0 | $0 |
| Q3 2024 | 71.11% | 72.59% | $0 | $0 |
| Q4 2024 | 70.50% | 66.29% | $0 | $0 |
| Q1 2025 | 69.64% | 67.03% | $0 | $0 |
| Q2 2025 | 76.68% | 67.92% | $0 | $0 |
| Q3 2025 | 76.20% | 68.65% | $0 | $0 |
| Q4 2025 | 75.80% | 70.57% | $0 | $0 |
| Q1 2026 | 74.98% | 71.48% | $0 | $0 |
| Q2 2026 | 76.25% | 68.99% | $0 | $0 |
The First National Bank of Manchester 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 Manchester, 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 Manchester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2708) · FFIEC NIC profile (RSSD 719610)