South Central 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 Cash and balances due from depository institutions: 39.3% higher than in Q1 2026, at $159.7M. Within Kentucky, South Central Bank, Inc. is 36th of 120 on loan-to-deposit ratio, 90.59% as of Q2 2026, above the middle of the field. At 90.59%, South Central 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 | $159.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $415.6M |
| 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 | $4.3M |
| Other borrowed money | $54.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.59% |
| Net loans and leases to deposits | 89.69% |
| Loans and leases to core deposits | 99.65% |
| Core deposits to total deposits | 86.31% |
| Brokered deposits to total deposits | 4.60% |
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 | 88.80% | 92.21% | $20.9M | $7.0M |
| Q4 2023 | 85.89% | 91.74% | $21.0M | $7.0M |
| Q1 2024 | 86.57% | 91.62% | $21.1M | $7.0M |
| Q2 2024 | 90.59% | 90.43% | $21.0M | $37.0M |
| Q3 2024 | 91.08% | 88.54% | $20.3M | $38.0M |
| Q4 2024 | 87.91% | 88.21% | $17.3M | $33.0M |
| Q1 2025 | 87.58% | 88.81% | $18.8M | $3.0M |
| Q2 2025 | 92.34% | 90.18% | $18.7M | $79.0M |
| Q3 2025 | 91.06% | 88.20% | $4.1M | $12.0M |
| Q4 2025 | 93.41% | 91.20% | $4.3M | $74.0M |
| Q1 2026 | 92.35% | 88.12% | $4.6M | $54.0M |
| Q2 2026 | 90.59% | 86.31% | $4.3M | $54.0M |
South Central Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock South Central 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 South Central Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5854) · FFIEC NIC profile (RSSD 473042)