United Citizens Bank of Southern Kentucky, 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 100.0% in Q2 2026, from $4.0M to $8.0M. It was the largest change from Q1 2026 among the key lines here. United Citizens Bank of Southern Kentucky, Inc. ranks 13th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 100.84% (Q2 2026). United Citizens Bank of Southern Kentucky, Inc. reported 100.84% on loan-to-deposit ratio for Q2 2026, 20.00 points above 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 | $13.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.0M |
| Fed funds sold and reverse repos | $2.3M |
| Fed funds sold and reverse repos to assets | 0.82% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.84% |
| Net loans and leases to deposits | 99.51% |
| Loans and leases to core deposits | 110.91% |
| Core deposits to total deposits | 90.92% |
| 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 | 100.20% | 90.89% | $8K | $5.0M |
| Q4 2023 | 98.84% | 90.76% | $0 | $5.0M |
| Q1 2024 | 96.11% | 90.76% | $0 | $5.0M |
| Q2 2024 | 96.47% | 91.17% | $0 | $5.0M |
| Q3 2024 | 99.14% | 90.87% | $0 | $5.0M |
| Q4 2024 | 102.25% | 89.20% | $502K | $6.0M |
| Q1 2025 | 96.03% | 89.73% | $0 | $6.0M |
| Q2 2025 | 98.92% | 89.29% | $0 | $4.0M |
| Q3 2025 | 100.60% | 89.28% | $1.3M | $4.0M |
| Q4 2025 | 100.10% | 90.08% | $0 | $4.0M |
| Q1 2026 | 97.54% | 90.33% | $0 | $4.0M |
| Q2 2026 | 100.84% | 90.92% | $0 | $8.0M |
United Citizens Bank of Southern Kentucky, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Citizens Bank of Southern Kentucky, 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 United Citizens Bank of Southern Kentucky, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57867) · FFIEC NIC profile (RSSD 3306598)