Putnam County 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.
Loans and leases to core deposits climbed 1.40 percentage points in Q2 2026, from 94.57% to 95.97%. It was the largest change from Q1 2026 among the key lines here. Putnam County Bank ranks 30th of 41 West Virginia banks on loan-to-deposit ratio, in the lower half at 72.93% (Q2 2026). Putnam County Bank reported 72.93% on loan-to-deposit ratio for Q2 2026, 7.91 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 | $82.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $240.7M |
| Fed funds sold and reverse repos | $5.2M |
| Fed funds sold and reverse repos to assets | 0.73% |
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 | 72.93% |
| Net loans and leases to deposits | 72.07% |
| Loans and leases to core deposits | 95.97% |
| Core deposits to total deposits | 75.99% |
| 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 | 71.53% | 82.99% | $0 | $0 |
| Q4 2023 | 75.84% | 82.46% | $0 | $5.0M |
| Q1 2024 | 73.60% | 81.27% | $0 | $15.0M |
| Q2 2024 | 76.89% | 80.64% | $0 | $10.0M |
| Q3 2024 | 74.20% | 79.11% | $0 | $5.0M |
| Q4 2024 | 74.86% | 78.20% | $0 | $5.0M |
| Q1 2025 | 74.20% | 78.68% | $0 | $0 |
| Q2 2025 | 75.38% | 78.48% | $0 | $0 |
| Q3 2025 | 74.85% | 81.84% | $0 | $0 |
| Q4 2025 | 80.39% | 80.93% | $0 | $0 |
| Q1 2026 | 72.54% | 76.70% | $0 | $0 |
| Q2 2026 | 72.93% | 75.99% | $0 | $0 |
Putnam County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Putnam County 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 Putnam County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15243) · FFIEC NIC profile (RSSD 417626)