The Murray 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.
Other borrowed money dropped 58.3% in Q2 2026, from $12.0M to $5.0M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The Murray Bank is 48th of 120 on loan-to-deposit ratio, 85.91% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Murray Bank sits 5.08 points higher, at 85.91% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $115.2M |
| Fed funds sold and reverse repos | $11.4M |
| Fed funds sold and reverse repos to assets | 2.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $502K |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.94% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.91% |
| Net loans and leases to deposits | 84.58% |
| Loans and leases to core deposits | 96.82% |
| Core deposits to total deposits | 85.97% |
| Brokered deposits to total deposits | 2.77% |
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 | 74.57% | 90.10% | $2.1M | $14.0M |
| Q4 2023 | 75.36% | 90.17% | $1.2M | $9.0M |
| Q1 2024 | 74.99% | 85.84% | $867K | $14.0M |
| Q2 2024 | 79.17% | 86.51% | $313K | $17.0M |
| Q3 2024 | 80.39% | 82.60% | $942K | $14.0M |
| Q4 2024 | 79.30% | 81.51% | $700K | $0 |
| Q1 2025 | 82.08% | 84.99% | $536K | $2.0M |
| Q2 2025 | 82.44% | 82.00% | $577K | $12.0M |
| Q3 2025 | 83.02% | 84.54% | $1.6M | $12.0M |
| Q4 2025 | 82.97% | 86.79% | $865K | $12.0M |
| Q1 2026 | 83.25% | 87.20% | $456K | $12.0M |
| Q2 2026 | 85.91% | 85.97% | $502K | $5.0M |
The Murray Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Murray 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 The Murray Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35161) · FFIEC NIC profile (RSSD 2819242)