The Salyersville National 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 5.07 percentage points higher than in Q1 2026, at 97.20%. The Salyersville National Bank ranks 67th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 80.78% (Q2 2026). At 80.78%, The Salyersville National Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.5M |
| Fed funds sold and reverse repos | $60K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $19.1M |
| Other borrowed money | $437K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.78% |
| Net loans and leases to deposits | 80.17% |
| Loans and leases to core deposits | 97.20% |
| Core deposits to total deposits | 83.11% |
| 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 | 76.71% | 87.01% | $18.2M | $5.2M |
| Q4 2023 | 80.72% | 85.88% | $18.3M | $5.2M |
| Q1 2024 | 71.28% | 86.70% | $18.3M | $5.6M |
| Q2 2024 | 73.44% | 85.90% | $19.3M | $440K |
| Q3 2024 | 73.06% | 83.29% | $19.3M | $440K |
| Q4 2024 | 66.37% | 82.54% | $20.1M | $439K |
| Q1 2025 | 72.45% | 82.18% | $20.1M | $439K |
| Q2 2025 | 73.86% | 82.33% | $20.1M | $438K |
| Q3 2025 | 76.71% | 82.21% | $20.1M | $438K |
| Q4 2025 | 73.70% | 83.15% | $20.1M | $438K |
| Q1 2026 | 76.34% | 82.86% | $20.1M | $438K |
| Q2 2026 | 80.78% | 83.11% | $19.1M | $437K |
The Salyersville National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Salyersville National 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 The Salyersville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2723) · FFIEC NIC profile (RSSD 472018)