Hyden Citizens Bank, 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.
Other borrowed money dropped 100.0% in Q2 2026, from $3.0M to $0. It was the largest change from Q1 2026 among the key lines here. Hyden Citizens Bank, Inc has the 11th lowest loan-to-deposit ratio of the 120 banks headquartered in Kentucky, at 60.80% as of Q2 2026. Hyden Citizens Bank, Inc reported 60.80% on loan-to-deposit ratio for Q2 2026, 20.14 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $62.1M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 1.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.5M |
| 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 | 60.80% |
| Net loans and leases to deposits | 60.22% |
| Loans and leases to core deposits | 63.92% |
| Core deposits to total deposits | 95.12% |
| 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 | 57.29% | 87.81% | $3.7M | $4.0M |
| Q4 2023 | 60.95% | 87.92% | $3.4M | $4.2M |
| Q1 2024 | 61.31% | 87.93% | $3.4M | $4.8M |
| Q2 2024 | 60.78% | 88.14% | $2.5M | $3.2M |
| Q3 2024 | 61.51% | 88.72% | $3.0M | $1.0M |
| Q4 2024 | 62.24% | 88.88% | $2.6M | $0 |
| Q1 2025 | 63.87% | 92.18% | $4.6M | $0 |
| Q2 2025 | 60.69% | 92.44% | $2.5M | $0 |
| Q3 2025 | 62.57% | 94.85% | $2.9M | $2.5M |
| Q4 2025 | 64.60% | 95.42% | $2.5M | $4.5M |
| Q1 2026 | 64.90% | 95.44% | $2.5M | $3.0M |
| Q2 2026 | 60.80% | 95.12% | $2.5M | $0 |
Hyden Citizens Bank, Inc liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hyden Citizens Bank, 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 Hyden Citizens Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 281) · FFIEC NIC profile (RSSD 211114)