Town & Country 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 Cash and balances due from depository institutions: 15.8% lower than in Q1 2026, at $25.1M. Within Kentucky, Town & Country Bank and Trust Company is 85th of 120 on loan-to-deposit ratio, 75.64% as of Q2 2026, below the middle of the field. Town & Country Bank and Trust Company reported 75.64% on loan-to-deposit ratio for Q2 2026, 5.20 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 | $25.1M |
| Cash and noninterest-bearing balances to assets | 5.64% |
| Cash and securities | $132.3M |
| Fed funds sold and reverse repos | $662K |
| Fed funds sold and reverse repos to assets | 0.15% |
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 | 75.64% |
| Net loans and leases to deposits | 74.83% |
| Loans and leases to core deposits | 76.63% |
| Core deposits to total deposits | 98.71% |
| 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 | 81.34% | 99.47% | $56.3M | $0 |
| Q4 2023 | 78.13% | 99.34% | $0 | $40.0M |
| Q1 2024 | 78.05% | 99.06% | $0 | $40.0M |
| Q2 2024 | 79.30% | 98.87% | $0 | $32.0M |
| Q3 2024 | 81.85% | 99.19% | $0 | $26.0M |
| Q4 2024 | 77.45% | 99.11% | $0 | $20.0M |
| Q1 2025 | 74.73% | 98.92% | $0 | $0 |
| Q2 2025 | 75.35% | 99.14% | $0 | $0 |
| Q3 2025 | 76.98% | 98.70% | $0 | $0 |
| Q4 2025 | 75.31% | 98.66% | $0 | $0 |
| Q1 2026 | 74.62% | 98.48% | $0 | $0 |
| Q2 2026 | 75.64% | 98.71% | $0 | $0 |
Town & Country 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 Town & Country 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 Town & Country Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15703) · FFIEC NIC profile (RSSD 692946)