Kentland 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: 4.93 percentage points higher than in Q1 2026, at 106.54%. Kentland Bank ranks 33rd of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 89.39% (Q2 2026). Kentland Bank reported 89.39% on loan-to-deposit ratio for Q2 2026, 8.55 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $105.4M |
| 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 | $3.6M |
| Other borrowed money | $45.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.39% |
| Net loans and leases to deposits | 87.90% |
| Loans and leases to core deposits | 106.54% |
| Core deposits to total deposits | 77.97% |
| Brokered deposits to total deposits | 5.93% |
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 | 66.53% | 91.01% | $2.4M | $15.0M |
| Q4 2023 | 70.64% | 90.83% | $6.2M | $25.0M |
| Q1 2024 | 70.75% | 89.58% | $0 | $35.0M |
| Q2 2024 | 75.05% | 89.74% | $2.5M | $35.0M |
| Q3 2024 | 79.17% | 86.16% | $14.8M | $35.0M |
| Q4 2024 | 76.77% | 85.65% | $0 | $35.0M |
| Q1 2025 | 80.01% | 83.14% | $0 | $35.0M |
| Q2 2025 | 83.28% | 83.69% | $4.6M | $35.0M |
| Q3 2025 | 86.40% | 80.19% | $0 | $45.0M |
| Q4 2025 | 88.99% | 79.51% | $2.4M | $45.0M |
| Q1 2026 | 86.54% | 80.64% | $428K | $45.0M |
| Q2 2026 | 89.39% | 77.97% | $3.6M | $45.0M |
Kentland Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kentland 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 Kentland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13843) · FFIEC NIC profile (RSSD 367543)