The First National Bank of Russell Springs: 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 Core deposits to total deposits: 5.12 percentage points higher than in Q1 2026, at 84.05%. Within Kentucky, The First National Bank of Russell Springs is 54th of 120 on loan-to-deposit ratio, 84.74% as of Q2 2026, above the middle of the field. The First National Bank of Russell Springs reported 84.74% on loan-to-deposit ratio for Q2 2026, 3.90 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 | $38.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $121.8M |
| 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 | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.21% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.74% |
| Net loans and leases to deposits | 83.93% |
| Loans and leases to core deposits | 100.83% |
| Core deposits to total deposits | 84.05% |
| 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 | 81.03% | 89.74% | $0 | $0 |
| Q4 2023 | 79.68% | 90.40% | $0 | $0 |
| Q1 2024 | 80.62% | 89.89% | $0 | $0 |
| Q2 2024 | 79.35% | 88.10% | $0 | $0 |
| Q3 2024 | 81.95% | 83.89% | $0 | $0 |
| Q4 2024 | 71.57% | 81.39% | $0 | $0 |
| Q1 2025 | 68.22% | 82.66% | $0 | $0 |
| Q2 2025 | 75.78% | 82.85% | $0 | $0 |
| Q3 2025 | 79.15% | 82.33% | $0 | $0 |
| Q4 2025 | 75.11% | 80.92% | $0 | $0 |
| Q1 2026 | 80.22% | 78.92% | $0 | $0 |
| Q2 2026 | 84.74% | 84.05% | $0 | $20.0M |
The First National Bank of Russell Springs 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 Russell Springs, 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 Russell Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2767) · FFIEC NIC profile (RSSD 173641)