First United Bank and Trust Company, 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.
Fed funds sold and reverse repos dropped 59.2% in Q2 2026, from $31.3M to $12.8M. It was the largest change from Q1 2026 among the key lines here. First United Bank and Trust Company, Inc. ranks 79th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 76.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First United Bank and Trust Company, Inc. sits 4.43 points lower, at 76.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $170.6M |
| Fed funds sold and reverse repos | $12.8M |
| Fed funds sold and reverse repos to assets | 2.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $733K |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.41% |
| Net loans and leases to deposits | 75.52% |
| Loans and leases to core deposits | 82.06% |
| Core deposits to total deposits | 93.11% |
| Brokered deposits to total deposits | 1.58% |
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 | 72.95% | 96.64% | $1.2M | $10.0M |
| Q4 2023 | 72.57% | 95.50% | $1.4M | $25.0M |
| Q1 2024 | 73.38% | 95.05% | $882K | $25.0M |
| Q2 2024 | 72.68% | 94.58% | $741K | $10.0M |
| Q3 2024 | 74.67% | 94.18% | $880K | $35.0M |
| Q4 2024 | 72.18% | 94.02% | $795K | $10.0M |
| Q1 2025 | 71.98% | 93.61% | $605K | $10.0M |
| Q2 2025 | 74.64% | 93.73% | $847K | $20.0M |
| Q3 2025 | 76.12% | 93.48% | $719K | $25.0M |
| Q4 2025 | 74.33% | 93.47% | $818K | $10.0M |
| Q1 2026 | 74.95% | 93.40% | $746K | $25.0M |
| Q2 2026 | 76.41% | 93.11% | $733K | $25.0M |
First United Bank and Trust Company, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First United Bank and Trust Company, 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 United Bank and Trust Company, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34150) · FFIEC NIC profile (RSSD 2356091)