Monticello Banking 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 Cash and balances due from depository institutions: 23.0% lower than in Q1 2026, at $23.4M. Monticello Banking Company ranks 59th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 83.80% (Q2 2026). Monticello Banking Company reported 83.80% on loan-to-deposit ratio for Q2 2026, 4.41 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $230.7M |
| Fed funds sold and reverse repos | $1K |
| 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 | $45.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.21% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.80% |
| Net loans and leases to deposits | 82.80% |
| Loans and leases to core deposits | 96.01% |
| Core deposits to total deposits | 83.89% |
| Brokered deposits to total deposits | 3.38% |
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 | 92.16% | 87.13% | $0 | $182.0M |
| Q4 2023 | 91.01% | 83.78% | $0 | $178.0M |
| Q1 2024 | 93.22% | 84.87% | $0 | $174.0M |
| Q2 2024 | 92.85% | 86.22% | $0 | $175.0M |
| Q3 2024 | 91.77% | 85.16% | $0 | $159.0M |
| Q4 2024 | 89.48% | 85.50% | $0 | $132.0M |
| Q1 2025 | 90.00% | 84.43% | $0 | $129.0M |
| Q2 2025 | 87.46% | 84.40% | $0 | $100.0M |
| Q3 2025 | 89.27% | 83.91% | $0 | $110.0M |
| Q4 2025 | 87.29% | 83.75% | $0 | $100.0M |
| Q1 2026 | 83.01% | 83.68% | $0 | $40.0M |
| Q2 2026 | 83.80% | 83.89% | $0 | $45.0M |
Monticello Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Monticello Banking 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 Monticello Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 292) · FFIEC NIC profile (RSSD 266945)