The Killbuck Savings Bank Company: 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: 42.8% lower than in Q1 2026, at $8.6M. The Killbuck Savings Bank Company ranks 94th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 78.46% (Q2 2026). The Killbuck Savings Bank Company reported 78.46% on loan-to-deposit ratio for Q2 2026, 2.49 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $280.4M |
| Fed funds sold and reverse repos | $8.6M |
| Fed funds sold and reverse repos to assets | 0.90% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $71.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.46% |
| Net loans and leases to deposits | 77.79% |
| Loans and leases to core deposits | 85.18% |
| Core deposits to total deposits | 91.31% |
| Brokered deposits to total deposits | 0.80% |
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 | 69.02% | 94.09% | $0 | $81.1M |
| Q4 2023 | 69.00% | 94.06% | $0 | $78.2M |
| Q1 2024 | 72.92% | 93.68% | $0 | $90.4M |
| Q2 2024 | 72.36% | 92.70% | $0 | $86.2M |
| Q3 2024 | 69.90% | 90.39% | $0 | $74.5M |
| Q4 2024 | 68.61% | 90.27% | $0 | $68.8M |
| Q1 2025 | 73.38% | 90.21% | $0 | $83.0M |
| Q2 2025 | 72.86% | 89.84% | $0 | $67.2M |
| Q3 2025 | 72.78% | 89.96% | $0 | $52.8M |
| Q4 2025 | 74.31% | 90.75% | $0 | $58.2M |
| Q1 2026 | 76.77% | 90.62% | $0 | $68.8M |
| Q2 2026 | 78.46% | 91.31% | $0 | $71.4M |
The Killbuck Savings Bank Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Killbuck Savings Bank Company, 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 The Killbuck Savings Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11860) · FFIEC NIC profile (RSSD 1017425)