Security Bank and 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 Fed funds sold and reverse repos: 28.8% lower than in Q1 2026, at $1.9M. On loan-to-deposit ratio, Security Bank and Trust Company is 4th from the bottom among 120 Kentucky banks, 44.97% (Q2 2026). Security Bank and Trust Company reported 44.97% on loan-to-deposit ratio for Q2 2026, 22.65 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.8M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 2.59% |
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 | 44.97% |
| Net loans and leases to deposits | 44.49% |
| Loans and leases to core deposits | 50.10% |
| Core deposits to total deposits | 89.76% |
| 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 | 46.79% | 89.56% | $0 | $0 |
| Q4 2023 | 46.77% | 89.72% | $0 | $0 |
| Q1 2024 | 45.06% | 91.31% | $0 | $0 |
| Q2 2024 | 46.42% | 91.13% | $0 | $0 |
| Q3 2024 | 48.22% | 90.70% | $0 | $0 |
| Q4 2024 | 50.96% | 89.70% | $0 | $0 |
| Q1 2025 | 48.82% | 89.42% | $0 | $0 |
| Q2 2025 | 52.41% | 89.03% | $0 | $2.1M |
| Q3 2025 | 51.81% | 87.56% | $0 | $0 |
| Q4 2025 | 48.36% | 89.38% | $0 | $0 |
| Q1 2026 | 44.90% | 89.79% | $0 | $0 |
| Q2 2026 | 44.97% | 89.76% | $0 | $0 |
Security Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank and 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 Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8121) · FFIEC NIC profile (RSSD 835613)