Jackson County Bank: 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.
Cash and balances due from depository institutions climbed 48.7% in Q2 2026, from $13.5M to $20.1M. It was the largest change from Q1 2026 among the key lines here. Jackson County Bank ranks 105th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 65.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Jackson County Bank sits 15.52 points lower, at 65.03% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $101.4M |
| 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 | $11.9M |
| 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 | 65.03% |
| Net loans and leases to deposits | 63.28% |
| Loans and leases to core deposits | 69.31% |
| Core deposits to total deposits | 93.83% |
| 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 | 71.57% | 94.01% | $15.2M | $0 |
| Q4 2023 | 69.40% | 94.66% | $13.0M | $0 |
| Q1 2024 | 68.05% | 94.72% | $13.4M | $0 |
| Q2 2024 | 68.77% | 94.66% | $13.1M | $0 |
| Q3 2024 | 68.16% | 94.45% | $14.2M | $0 |
| Q4 2024 | 64.29% | 94.70% | $13.6M | $0 |
| Q1 2025 | 62.81% | 94.74% | $14.8M | $0 |
| Q2 2025 | 67.23% | 94.44% | $14.7M | $0 |
| Q3 2025 | 68.48% | 94.31% | $14.4M | $0 |
| Q4 2025 | 65.62% | 94.49% | $11.9M | $0 |
| Q1 2026 | 66.55% | 94.37% | $8.4M | $0 |
| Q2 2026 | 65.03% | 93.83% | $11.9M | $0 |
Jackson County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Jackson County Bank, 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 Jackson County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 291) · FFIEC NIC profile (RSSD 1016718)