Kennebec Savings 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 Loans and leases to core deposits: 2.08 percentage points higher than in Q1 2026, at 118.65%. Kennebec Savings Bank ranks 7th of 22 Maine banks on loan-to-deposit ratio, in the upper half at 111.48% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Kennebec Savings Bank sits 23.28 points higher, at 111.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $260.5M |
| 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 | $192.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.48% |
| Net loans and leases to deposits | 110.80% |
| Loans and leases to core deposits | 118.65% |
| Core deposits to total deposits | 81.16% |
| Brokered deposits to total deposits | 12.80% |
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 | 108.49% | 81.17% | $0 | $140.7M |
| Q4 2023 | 110.55% | 80.48% | $0 | $174.4M |
| Q1 2024 | 110.43% | 80.06% | $0 | $187.8M |
| Q2 2024 | 109.82% | 80.32% | $0 | $190.9M |
| Q3 2024 | 109.06% | 80.35% | $0 | $179.2M |
| Q4 2024 | 108.97% | 80.62% | $0 | $182.9M |
| Q1 2025 | 109.33% | 80.80% | $0 | $176.4M |
| Q2 2025 | 110.40% | 80.67% | $0 | $189.9M |
| Q3 2025 | 109.99% | 80.70% | $0 | $173.4M |
| Q4 2025 | 109.91% | 81.00% | $0 | $174.7M |
| Q1 2026 | 109.67% | 81.19% | $0 | $172.8M |
| Q2 2026 | 111.48% | 81.16% | $0 | $192.1M |
Kennebec Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kennebec Savings 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 Kennebec Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17897) · FFIEC NIC profile (RSSD 583905)