Kendall 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.
The standout move of Q2 2026 was in Core deposits to total deposits: 7.61 percentage points lower than in Q1 2026, at 61.78%. Kendall Bank ranks 22nd of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 94.85% (Q2 2026). Kendall Bank reported 94.85% on loan-to-deposit ratio for Q2 2026, 14.30 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.9M |
| Fed funds sold and reverse repos | $6.5M |
| Fed funds sold and reverse repos to assets | 3.06% |
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 | 94.85% |
| Net loans and leases to deposits | 92.67% |
| Loans and leases to core deposits | 99.08% |
| Core deposits to total deposits | 61.78% |
| Brokered deposits to total deposits | 33.95% |
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 | 111.92% | 90.44% | $0 | $5.0M |
| Q4 2023 | 110.77% | 90.56% | $0 | $5.5M |
| Q1 2024 | 108.81% | 89.01% | $0 | $5.0M |
| Q2 2024 | 108.52% | 89.10% | $0 | $5.0M |
| Q3 2024 | 110.26% | 92.59% | $0 | $5.0M |
| Q4 2024 | 115.13% | 93.94% | $0 | $8.0M |
| Q1 2025 | 88.46% | 91.95% | $0 | $5.0M |
| Q2 2025 | 90.77% | 91.52% | $0 | $0 |
| Q3 2025 | 94.44% | 86.12% | $0 | $0 |
| Q4 2025 | 96.10% | 69.46% | $0 | $0 |
| Q1 2026 | 95.23% | 69.39% | $0 | $0 |
| Q2 2026 | 94.85% | 61.78% | $0 | $0 |
Kendall Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kendall 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 Kendall Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8110) · FFIEC NIC profile (RSSD 366854)