Magnolia 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 Other borrowed money: 50.0% higher than in Q1 2026, at $30.0M. Among 120 Kentucky banks, Magnolia Bank, Inc sits 9th from the top on loan-to-deposit ratio, 106.40% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Magnolia Bank, Inc sits 25.56 points higher, at 106.40% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.7M |
| Cash and noninterest-bearing balances to assets | 0.89% |
| Cash and securities | $51.8M |
| Fed funds sold and reverse repos | $3.8M |
| Fed funds sold and reverse repos to assets | 0.70% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.40% |
| Net loans and leases to deposits | 104.63% |
| Loans and leases to core deposits | 115.45% |
| Core deposits to total deposits | 80.08% |
| Brokered deposits to total deposits | 12.08% |
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 | 70.28% | 67.74% | $0 | $20.0M |
| Q4 2023 | 75.86% | 68.99% | $2.6M | $30.0M |
| Q1 2024 | 80.59% | 67.96% | $0 | $40.0M |
| Q2 2024 | 94.38% | 70.11% | $0 | $60.0M |
| Q3 2024 | 93.84% | 71.93% | $0 | $50.0M |
| Q4 2024 | 94.01% | 69.47% | $0 | $20.0M |
| Q1 2025 | 93.27% | 74.77% | $0 | $20.0M |
| Q2 2025 | 93.30% | 78.18% | $0 | $5.0M |
| Q3 2025 | 101.23% | 82.21% | $0 | $15.0M |
| Q4 2025 | 96.20% | 78.98% | $0 | $0 |
| Q1 2026 | 103.83% | 79.57% | $0 | $20.0M |
| Q2 2026 | 106.40% | 80.08% | $0 | $30.0M |
Magnolia Bank, Inc liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Magnolia 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 Magnolia Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8120) · FFIEC NIC profile (RSSD 261146)