KS Bank, Inc.: 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 Brokered deposits to total deposits: 5.71 percentage points lower than in Q1 2026, at 3.62%. KS Bank, Inc. ranks 10th of 38 North Carolina banks on loan-to-deposit ratio, in the upper half at 91.67% (Q2 2026). KS Bank, Inc. reported 91.67% on loan-to-deposit ratio for Q2 2026, 10.84 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 | $37.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $132.4M |
| 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 | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.67% |
| Net loans and leases to deposits | 90.98% |
| Loans and leases to core deposits | 97.50% |
| Core deposits to total deposits | 90.41% |
| Brokered deposits to total deposits | 3.62% |
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 | 82.32% | 92.53% | $0 | $0 |
| Q4 2023 | 87.39% | 92.06% | $0 | $12.0M |
| Q1 2024 | 81.86% | 92.20% | $0 | $0 |
| Q2 2024 | 83.35% | 91.85% | $0 | $0 |
| Q3 2024 | 83.64% | 91.90% | $0 | $0 |
| Q4 2024 | 90.30% | 91.92% | $11.1M | $0 |
| Q1 2025 | 86.00% | 90.70% | $0 | $0 |
| Q2 2025 | 89.45% | 90.99% | $0 | $0 |
| Q3 2025 | 89.12% | 84.95% | $0 | $0 |
| Q4 2025 | 89.23% | 80.48% | $0 | $0 |
| Q1 2026 | 86.60% | 84.88% | $0 | $0 |
| Q2 2026 | 91.67% | 90.41% | $0 | $10.0M |
KS Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock KS Bank, Inc., 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 KS Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29771) · FFIEC NIC profile (RSSD 416674)