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 49.2% in Q2 2026, from $26.6M to $39.6M. It was the largest change from Q1 2026 among the key lines here. Among 87 Indiana banks, Jackson County Bank sits 7th from the top on loan-to-deposit ratio, 101.52% as of Q2 2026. Jackson County Bank reported 101.52% on loan-to-deposit ratio for Q2 2026, 13.32 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $145.9M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.14% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $4.2M |
| Other borrowed money | $108.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.73% |
| Trading liabilities | $861K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.52% |
| Net loans and leases to deposits | 100.40% |
| Loans and leases to core deposits | 111.87% |
| Core deposits to total deposits | 90.75% |
| 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 | 100.99% | 96.53% | $5.2M | $120.0M |
| Q4 2023 | 101.19% | 93.58% | $3.2M | $120.0M |
| Q1 2024 | 100.53% | 93.08% | $3.6M | $130.0M |
| Q2 2024 | 99.52% | 92.93% | $4.5M | $130.0M |
| Q3 2024 | 103.11% | 92.19% | $12.8M | $120.0M |
| Q4 2024 | 102.73% | 93.73% | $13.0M | $90.0M |
| Q1 2025 | 97.87% | 92.91% | $4.5M | $90.0M |
| Q2 2025 | 101.05% | 92.76% | $5.2M | $90.0M |
| Q3 2025 | 105.91% | 91.62% | $9.0M | $120.0M |
| Q4 2025 | 104.25% | 91.03% | $9.2M | $113.0M |
| Q1 2026 | 104.06% | 91.28% | $6.8M | $113.0M |
| Q2 2026 | 101.52% | 90.75% | $4.2M | $108.0M |
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 13109) · FFIEC NIC profile (RSSD 884442)