Planters 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 Other borrowed money: 49.6% lower than in Q1 2026, at $5.1M. Planters Bank, Inc. ranks 49th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 85.90% (Q2 2026). At 85.90%, Planters Bank, Inc.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $146.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $443.7M |
| Fed funds sold and reverse repos | $38K |
| 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 | $5.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.90% |
| Net loans and leases to deposits | 84.71% |
| Loans and leases to core deposits | 90.78% |
| Core deposits to total deposits | 94.62% |
| 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 | 99.31% | 83.36% | $0 | $94.8M |
| Q4 2023 | 97.84% | 87.21% | $0 | $79.3M |
| Q1 2024 | 100.63% | 88.93% | $0 | $110.1M |
| Q2 2024 | 99.80% | 88.42% | $0 | $99.7M |
| Q3 2024 | 98.89% | 89.93% | $0 | $80.2M |
| Q4 2024 | 98.28% | 91.39% | $0 | $65.2M |
| Q1 2025 | 97.42% | 92.42% | $0 | $65.2M |
| Q2 2025 | 93.29% | 93.61% | $0 | $35.1M |
| Q3 2025 | 91.34% | 94.67% | $0 | $20.1M |
| Q4 2025 | 85.55% | 94.69% | $0 | $10.1M |
| Q1 2026 | 86.26% | 94.56% | $0 | $10.1M |
| Q2 2026 | 85.90% | 94.62% | $0 | $5.1M |
Planters Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Planters 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 Planters Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34254) · FFIEC NIC profile (RSSD 2497181)