Republic Bank & Trust 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.
The standout move of Q2 2026 was in Other borrowed money: 57.2% lower than in Q1 2026, at $157.0M. Within Kentucky, Republic Bank & Trust Company is 18th of 120 on loan-to-deposit ratio, 97.21% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Republic Bank & Trust Company sits 9.01 points higher, at 97.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $354.1M |
| Cash and noninterest-bearing balances to assets | 5.02% |
| Cash and securities | $1.24B |
| 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 | $68.6M |
| Other borrowed money | $157.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.23% |
| Trading liabilities | $4.5M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.21% |
| Net loans and leases to deposits | 95.65% |
| Loans and leases to core deposits | 100.46% |
| Core deposits to total deposits | 94.96% |
| Brokered deposits to total deposits | 1.81% |
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 | 105.79% | 91.59% | $80.8M | $465.0M |
| Q4 2023 | 103.48% | 92.29% | $97.6M | $380.0M |
| Q1 2024 | 97.50% | 91.27% | $84.5M | $270.0M |
| Q2 2024 | 103.76% | 95.93% | $72.6M | $370.0M |
| Q3 2024 | 103.49% | 95.81% | $79.4M | $370.0M |
| Q4 2024 | 103.95% | 91.89% | $103.3M | $395.0M |
| Q1 2025 | 97.57% | 95.71% | $89.7M | $370.0M |
| Q2 2025 | 100.57% | 93.03% | $72.1M | $370.0M |
| Q3 2025 | 98.48% | 95.33% | $74.5M | $375.0M |
| Q4 2025 | 105.54% | 95.13% | $88.5M | $506.0M |
| Q1 2026 | 96.93% | 94.99% | $81.3M | $366.5M |
| Q2 2026 | 97.21% | 94.96% | $68.6M | $157.0M |
Republic Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Republic Bank & Trust 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 Republic Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23627) · FFIEC NIC profile (RSSD 316840)