Kennett Trust 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 Other borrowed money: 145.2% higher than in Q1 2026, at $10.3M. Within Missouri, Kennett Trust Bank is 118th of 191 on loan-to-deposit ratio, 79.18% as of Q2 2026. At 79.18%, Kennett Trust 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 | $1.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.5M |
| 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 | $1.8M |
| Other borrowed money | $10.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.18% |
| Net loans and leases to deposits | 78.69% |
| Loans and leases to core deposits | 81.34% |
| Core deposits to total deposits | 89.13% |
| Brokered deposits to total deposits | 8.22% |
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 | 68.83% | 85.38% | $0 | $9.4M |
| Q4 2023 | 68.47% | 83.38% | $0 | $6.1M |
| Q1 2024 | 70.35% | 82.58% | $1.4M | $6.3M |
| Q2 2024 | 71.55% | 81.56% | $1.8M | $8.0M |
| Q3 2024 | 68.90% | 82.67% | $0 | $3.8M |
| Q4 2024 | 63.11% | 80.61% | $0 | $1.2M |
| Q1 2025 | 70.35% | 85.80% | $0 | $7.4M |
| Q2 2025 | 71.23% | 86.17% | $0 | $8.5M |
| Q3 2025 | 72.92% | 87.34% | $0 | $6.7M |
| Q4 2025 | 70.47% | 88.46% | $0 | $1.1M |
| Q1 2026 | 71.70% | 89.91% | $0 | $4.2M |
| Q2 2026 | 79.18% | 89.13% | $1.8M | $10.3M |
Kennett Trust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kennett Trust 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 Kennett Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18879) · FFIEC NIC profile (RSSD 795959)