PBK 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 Loans and leases to core deposits: 5.08 percentage points lower than in Q1 2026, at 69.24%. Within Kentucky, PBK Bank, Inc is 103rd of 120 on loan-to-deposit ratio, 65.33% as of Q2 2026, below the middle of the field. PBK Bank, Inc reported 65.33% on loan-to-deposit ratio for Q2 2026, 15.51 points below 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 | $35.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $73.4M |
| 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 | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.33% |
| Net loans and leases to deposits | 64.88% |
| Loans and leases to core deposits | 69.24% |
| Core deposits to total deposits | 94.34% |
| Brokered deposits to total deposits | 0.00% |
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 | 69.29% | 95.92% | $0 | $0 |
| Q4 2023 | 71.25% | 95.58% | $0 | $0 |
| Q1 2024 | 70.07% | 96.53% | $0 | $0 |
| Q2 2024 | 68.20% | 96.12% | $0 | $0 |
| Q3 2024 | 69.58% | 95.68% | $0 | $0 |
| Q4 2024 | 68.56% | 95.61% | $0 | $0 |
| Q1 2025 | 66.20% | 94.67% | $0 | $0 |
| Q2 2025 | 68.96% | 94.56% | $0 | $0 |
| Q3 2025 | 69.73% | 94.09% | $0 | $0 |
| Q4 2025 | 69.17% | 94.24% | $0 | $0 |
| Q1 2026 | 69.76% | 93.86% | $0 | $0 |
| Q2 2026 | 65.33% | 94.34% | $0 | $0 |
PBK Bank, Inc liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock PBK 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 PBK Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9313) · FFIEC NIC profile (RSSD 148715)