Morgantown Bank & Trust Company, Incorporated: 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.
Cash and balances due from depository institutions dropped 35.7% in Q2 2026, from $14.8M to $9.5M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Morgantown Bank & Trust Company, Incorporated is 33rd of 120 on loan-to-deposit ratio, 91.90% as of Q2 2026, above the middle of the field. Morgantown Bank & Trust Company, Incorporated reported 91.90% on loan-to-deposit ratio for Q2 2026, 11.06 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 | $9.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.7M |
| 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 | $434K |
| Other borrowed money | $16.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.90% |
| Net loans and leases to deposits | 91.26% |
| Loans and leases to core deposits | 101.84% |
| Core deposits to total deposits | 90.17% |
| Brokered deposits to total deposits | 1.81% |
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 | 81.51% | 93.84% | $2.5M | $15.6M |
| Q4 2023 | 84.70% | 89.92% | $5.6M | $18.6M |
| Q1 2024 | 83.76% | 88.28% | $0 | $18.5M |
| Q2 2024 | 89.52% | 89.72% | $0 | $32.0M |
| Q3 2024 | 90.26% | 89.73% | $0 | $23.3M |
| Q4 2024 | 90.36% | 90.32% | $2.0M | $32.3M |
| Q1 2025 | 87.60% | 88.03% | $0 | $18.2M |
| Q2 2025 | 90.92% | 85.80% | $0 | $25.2M |
| Q3 2025 | 90.16% | 86.91% | $0 | $20.2M |
| Q4 2025 | 90.26% | 89.57% | $0 | $16.2M |
| Q1 2026 | 89.89% | 89.33% | $0 | $16.1M |
| Q2 2026 | 91.90% | 90.17% | $434K | $16.1M |
Morgantown Bank & Trust Company, Incorporated liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Morgantown Bank & Trust Company, Incorporated, 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 Morgantown Bank & Trust Company, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 275) · FFIEC NIC profile (RSSD 330949)