Jefferson Security 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.
Loans and leases to core deposits climbed 4.10 percentage points in Q2 2026, from 80.75% to 84.86%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, Jefferson Security Bank is 26th of 41 on loan-to-deposit ratio, 79.70% as of Q2 2026. At 79.70%, Jefferson Security Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $128.3M |
| 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 | $0 |
| 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 | 79.70% |
| Net loans and leases to deposits | 78.81% |
| Loans and leases to core deposits | 84.86% |
| Core deposits to total deposits | 93.92% |
| 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 | 78.37% | 98.11% | $0 | $30.9M |
| Q4 2023 | 82.55% | 97.28% | $0 | $46.1M |
| Q1 2024 | 80.81% | 94.10% | $0 | $44.1M |
| Q2 2024 | 80.67% | 91.28% | $0 | $43.3M |
| Q3 2024 | 73.93% | 91.59% | $0 | $28.0M |
| Q4 2024 | 77.24% | 90.78% | $0 | $7.9M |
| Q1 2025 | 76.97% | 90.51% | $0 | $5.6M |
| Q2 2025 | 78.57% | 90.96% | $0 | $11.5M |
| Q3 2025 | 77.63% | 90.80% | $0 | $2.6M |
| Q4 2025 | 78.25% | 90.20% | $0 | $2.1M |
| Q1 2026 | 76.71% | 92.18% | $0 | $0 |
| Q2 2026 | 79.70% | 93.92% | $0 | $0 |
Jefferson Security Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Jefferson Security 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 Jefferson Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9997) · FFIEC NIC profile (RSSD 786733)