Franklin Bank & Trust Company: 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 Fed funds sold and reverse repos: 283.7% higher than in Q1 2026, at $5.7M. Among 120 Kentucky banks, Franklin Bank & Trust Company sits 10th from the top on loan-to-deposit ratio, 105.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Franklin Bank & Trust Company sits 25.14 points higher, at 105.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $72.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $80.3M |
| Fed funds sold and reverse repos | $5.7M |
| Fed funds sold and reverse repos to assets | 0.71% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $34.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.98% |
| Net loans and leases to deposits | 104.99% |
| Loans and leases to core deposits | 114.03% |
| Core deposits to total deposits | 92.94% |
| 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 | 99.67% | 91.46% | $0 | $38.1M |
| Q4 2023 | 105.13% | 92.25% | $5.3M | $40.1M |
| Q1 2024 | 96.60% | 92.22% | $0 | $33.0M |
| Q2 2024 | 103.32% | 91.88% | $0 | $32.8M |
| Q3 2024 | 104.08% | 92.05% | $0 | $29.7M |
| Q4 2024 | 107.64% | 92.19% | $537K | $50.7M |
| Q1 2025 | 98.67% | 92.96% | $0 | $18.7M |
| Q2 2025 | 101.17% | 92.43% | $0 | $18.5M |
| Q3 2025 | 100.40% | 90.96% | $0 | $14.5M |
| Q4 2025 | 108.93% | 90.79% | $0 | $54.4M |
| Q1 2026 | 104.39% | 92.77% | $0 | $34.4M |
| Q2 2026 | 105.98% | 92.94% | $0 | $34.3M |
Franklin Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin Bank & Trust Company, 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 Franklin Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17937) · FFIEC NIC profile (RSSD 493844)