Independent Correspondent Bankers' 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.
Loans and leases to core deposits climbed 17.95 percentage points in Q2 2026, from 89.98% to 107.93%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Independent Correspondent Bankers' Bank, Inc. is 16th of 120 on loan-to-deposit ratio, 100.08% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Independent Correspondent Bankers' Bank, Inc. sits 19.25 points higher, at 100.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $58.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.3M |
| 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 | $46.9M |
| 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 | 100.08% |
| Net loans and leases to deposits | 98.68% |
| Loans and leases to core deposits | 107.93% |
| Core deposits to total deposits | 83.59% |
| Brokered deposits to total deposits | 9.14% |
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 | 116.75% | 85.03% | $50.6M | $0 |
| Q4 2023 | 125.79% | 85.91% | $63.0M | $0 |
| Q1 2024 | 119.94% | 81.17% | $63.8M | $0 |
| Q2 2024 | 142.65% | 85.85% | $69.2M | $0 |
| Q3 2024 | 121.65% | 86.22% | $56.9M | $0 |
| Q4 2024 | 114.81% | 74.82% | $56.6M | $0 |
| Q1 2025 | 120.98% | 78.05% | $56.1M | $0 |
| Q2 2025 | 123.62% | 75.52% | $55.8M | $0 |
| Q3 2025 | 105.67% | 75.93% | $46.9M | $0 |
| Q4 2025 | 115.55% | 84.76% | $47.7M | $0 |
| Q1 2026 | 84.70% | 79.60% | $18.0M | $0 |
| Q2 2026 | 100.08% | 83.59% | $46.9M | $0 |
Independent Correspondent Bankers' Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Independent Correspondent Bankers' 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 Independent Correspondent Bankers' Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27219) · FFIEC NIC profile (RSSD 1187551)