Owingsville 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.
Fed funds sold and reverse repos dropped 31.7% in Q2 2026, from $3.0M to $2.0M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Owingsville Banking Company is 53rd of 120 on loan-to-deposit ratio, 84.76% as of Q2 2026, above the middle of the field. Owingsville Banking Company reported 84.76% on loan-to-deposit ratio for Q2 2026, 3.92 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 | $6.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.0M |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 1.94% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.76% |
| Net loans and leases to deposits | 83.84% |
| Loans and leases to core deposits | 92.44% |
| Core deposits to total deposits | 91.70% |
| Brokered deposits to total deposits | 6.50% |
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 | 80.66% | 94.86% | $0 | $1.8M |
| Q4 2023 | 79.01% | 95.07% | $0 | $1.8M |
| Q1 2024 | 77.32% | 94.23% | $0 | $1.7M |
| Q2 2024 | 79.13% | 94.24% | $0 | $1.6M |
| Q3 2024 | 81.47% | 93.89% | $0 | $1.6M |
| Q4 2024 | 86.15% | 92.80% | $0 | $1.5M |
| Q1 2025 | 84.17% | 93.85% | $0 | $1.4M |
| Q2 2025 | 83.61% | 92.71% | $0 | $1.4M |
| Q3 2025 | 86.49% | 93.04% | $0 | $2.8M |
| Q4 2025 | 86.22% | 92.57% | $0 | $2.7M |
| Q1 2026 | 85.03% | 92.64% | $0 | $1.2M |
| Q2 2026 | 84.76% | 91.70% | $0 | $1.2M |
Owingsville Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Owingsville 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 Owingsville Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9672) · FFIEC NIC profile (RSSD 492810)