Traditional 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.
Other borrowed money climbed 768.0% in Q2 2026, from $3.8M to $33.2M. It was the largest change from Q1 2026 among the key lines here. Traditional Bank, Inc. ranks 76th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 78.26% (Q2 2026). Traditional Bank, Inc. reported 78.26% on loan-to-deposit ratio for Q2 2026, 9.94 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $679.0M |
| Fed funds sold and reverse repos | $2.2M |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $36.7M |
| Other borrowed money | $33.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.26% |
| Net loans and leases to deposits | 77.46% |
| Loans and leases to core deposits | 82.22% |
| Core deposits to total deposits | 85.28% |
| Brokered deposits to total deposits | 9.90% |
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 | 68.19% | 84.62% | $68.4M | $76.9M |
| Q4 2023 | 70.30% | 83.37% | $69.7M | $76.3M |
| Q1 2024 | 72.10% | 83.80% | $66.0M | $75.7M |
| Q2 2024 | 74.85% | 85.50% | $70.8M | $89.4M |
| Q3 2024 | 77.76% | 84.07% | $78.8M | $101.0M |
| Q4 2024 | 71.05% | 79.21% | $41.0M | $8.5M |
| Q1 2025 | 72.39% | 81.84% | $39.2M | $8.1M |
| Q2 2025 | 73.17% | 82.32% | $33.9M | $4.7M |
| Q3 2025 | 74.87% | 83.89% | $37.5M | $4.4M |
| Q4 2025 | 73.34% | 81.68% | $38.3M | $4.1M |
| Q1 2026 | 76.40% | 83.35% | $37.2M | $3.8M |
| Q2 2026 | 78.26% | 85.28% | $36.7M | $33.2M |
Traditional Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditional 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 Traditional Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2711) · FFIEC NIC profile (RSSD 786210)