Kentucky Farmers Bank Corporation: 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 Fed funds sold and reverse repos: 47.5% higher than in Q1 2026, at $6.9M. Kentucky Farmers Bank Corporation has the 10th lowest loan-to-deposit ratio of the 120 banks headquartered in Kentucky, at 60.75% as of Q2 2026. Kentucky Farmers Bank Corporation reported 60.75% on loan-to-deposit ratio for Q2 2026, 20.09 points below 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 | $30.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $149.1M |
| Fed funds sold and reverse repos | $6.9M |
| Fed funds sold and reverse repos to assets | 2.11% |
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 | 60.75% |
| Net loans and leases to deposits | 60.15% |
| Loans and leases to core deposits | 69.07% |
| Core deposits to total deposits | 87.96% |
| 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 | 70.94% | 89.39% | $147K | $0 |
| Q4 2023 | 72.11% | 89.22% | $0 | $0 |
| Q1 2024 | 72.66% | 89.55% | $0 | $0 |
| Q2 2024 | 70.82% | 89.54% | $0 | $0 |
| Q3 2024 | 68.66% | 90.36% | $0 | $0 |
| Q4 2024 | 59.79% | 91.02% | $0 | $0 |
| Q1 2025 | 60.03% | 86.09% | $0 | $0 |
| Q2 2025 | 62.36% | 86.77% | $0 | $0 |
| Q3 2025 | 62.26% | 83.70% | $0 | $0 |
| Q4 2025 | 60.25% | 85.86% | $0 | $0 |
| Q1 2026 | 61.40% | 88.57% | $0 | $0 |
| Q2 2026 | 60.75% | 87.96% | $0 | $0 |
Kentucky Farmers Bank Corporation liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kentucky Farmers Bank Corporation, 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 Kentucky Farmers Bank Corporation profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 267) · FFIEC NIC profile (RSSD 683814)