Kinmundy 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: 1.03 percentage points lower than in Q1 2026, at 76.79%. Kinmundy Bank ranks 180th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 73.72% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Kinmundy Bank sits 6.10 points higher, at 73.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.9M |
| Fed funds sold and reverse repos | $6.5M |
| Fed funds sold and reverse repos to assets | 8.07% |
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 | 73.72% |
| Net loans and leases to deposits | 73.14% |
| Loans and leases to core deposits | 76.79% |
| Core deposits to total deposits | 96.00% |
| 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 | 72.82% | 96.41% | $0 | $0 |
| Q4 2023 | 78.10% | 93.35% | $1.1M | $0 |
| Q1 2024 | 78.81% | 94.97% | $373K | $0 |
| Q2 2024 | 79.21% | 96.90% | $0 | $0 |
| Q3 2024 | 78.23% | 96.91% | $0 | $0 |
| Q4 2024 | 81.82% | 96.83% | $1.1M | $0 |
| Q1 2025 | 76.18% | 96.95% | $0 | $0 |
| Q2 2025 | 80.04% | 96.93% | $0 | $0 |
| Q3 2025 | 78.60% | 96.23% | $0 | $0 |
| Q4 2025 | 77.90% | 95.29% | $0 | $0 |
| Q1 2026 | 74.53% | 95.43% | $0 | $0 |
| Q2 2026 | 73.72% | 96.00% | $0 | $0 |
Kinmundy Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kinmundy 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 Kinmundy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3805) · FFIEC NIC profile (RSSD 489249)