Kingston National 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 Fed funds sold and reverse repos: 60.9% lower than in Q1 2026, at $16.6M. Within Ohio, Kingston National Bank is 102nd of 156 on loan-to-deposit ratio, 75.27% as of Q2 2026, below the middle of the field. Kingston National Bank reported 75.27% on loan-to-deposit ratio for Q2 2026, 5.57 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 | $46.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $162.6M |
| Fed funds sold and reverse repos | $16.6M |
| Fed funds sold and reverse repos to assets | 2.83% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $506K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.27% |
| Net loans and leases to deposits | 74.51% |
| Loans and leases to core deposits | 96.28% |
| Core deposits to total deposits | 78.18% |
| 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 | 76.61% | 81.74% | $0 | $1.4M |
| Q4 2023 | 78.75% | 80.36% | $0 | $1.3M |
| Q1 2024 | 74.96% | 80.59% | $0 | $1.2M |
| Q2 2024 | 76.29% | 77.64% | $0 | $1.1M |
| Q3 2024 | 74.95% | 77.87% | $0 | $1.0M |
| Q4 2024 | 78.16% | 78.28% | $0 | $976K |
| Q1 2025 | 76.48% | 78.77% | $0 | $901K |
| Q2 2025 | 77.13% | 77.72% | $0 | $828K |
| Q3 2025 | 77.40% | 78.08% | $0 | $759K |
| Q4 2025 | 79.24% | 78.14% | $0 | $689K |
| Q1 2026 | 75.10% | 77.92% | $0 | $578K |
| Q2 2026 | 75.27% | 78.18% | $0 | $506K |
Kingston National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kingston National 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 Kingston National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6616) · FFIEC NIC profile (RSSD 966722)