Independence Bank of Kentucky: 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 climbed 100.5% in Q2 2026, from $1.3M to $2.6M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Independence Bank of Kentucky is 98th of 120 on loan-to-deposit ratio, 70.52% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Independence Bank of Kentucky sits 17.68 points lower, at 70.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $140.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $1.57B |
| Fed funds sold and reverse repos | $2.6M |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $470.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.52% |
| Net loans and leases to deposits | 69.79% |
| Loans and leases to core deposits | 74.91% |
| Core deposits to total deposits | 92.90% |
| Brokered deposits to total deposits | 1.24% |
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 | 63.41% | 81.75% | $0 | $325.0M |
| Q4 2023 | 63.14% | 82.70% | $0 | $280.0M |
| Q1 2024 | 64.69% | 83.23% | $0 | $410.0M |
| Q2 2024 | 68.30% | 85.57% | $0 | $510.0M |
| Q3 2024 | 67.90% | 82.64% | $0 | $420.0M |
| Q4 2024 | 65.63% | 83.48% | $0 | $285.0M |
| Q1 2025 | 64.34% | 83.36% | $0 | $240.0M |
| Q2 2025 | 66.70% | 88.64% | $0 | $350.0M |
| Q3 2025 | 64.61% | 84.04% | $0 | $190.0M |
| Q4 2025 | 66.44% | 87.24% | $0 | $285.0M |
| Q1 2026 | 66.42% | 93.18% | $0 | $330.0M |
| Q2 2026 | 70.52% | 92.90% | $0 | $470.0M |
Independence Bank of Kentucky liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence Bank of Kentucky, 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 Independence Bank of Kentucky profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8136) · FFIEC NIC profile (RSSD 648242)