United Community Bank of West 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.
Core deposits to total deposits dropped 2.50 percentage points in Q2 2026, from 88.50% to 86.01%. It was the largest change from Q1 2026 among the key lines here. United Community Bank of West Kentucky, Inc. ranks 87th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 73.83% (Q2 2026). United Community Bank of West Kentucky, Inc. reported 73.83% on loan-to-deposit ratio for Q2 2026, 7.01 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 | $8.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $172.3M |
| Fed funds sold and reverse repos | $387K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $28.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.83% |
| Net loans and leases to deposits | 73.03% |
| Loans and leases to core deposits | 78.67% |
| Core deposits to total deposits | 86.01% |
| Brokered deposits to total deposits | 7.84% |
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 | 60.69% | 90.50% | $0 | $22.0M |
| Q4 2023 | 64.12% | 91.15% | $9.4M | $22.0M |
| Q1 2024 | 63.16% | 90.17% | $0 | $19.0M |
| Q2 2024 | 66.03% | 87.81% | $0 | $28.9M |
| Q3 2024 | 68.38% | 86.62% | $3.1M | $28.0M |
| Q4 2024 | 65.29% | 87.84% | $0 | $20.5M |
| Q1 2025 | 65.01% | 87.75% | $0 | $20.5M |
| Q2 2025 | 65.88% | 87.90% | $0 | $20.5M |
| Q3 2025 | 68.65% | 88.73% | $0 | $20.5M |
| Q4 2025 | 71.61% | 88.63% | $0 | $29.1M |
| Q1 2026 | 72.91% | 88.50% | $0 | $26.0M |
| Q2 2026 | 73.83% | 86.01% | $0 | $28.0M |
United Community Bank of West 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 Community Bank of West 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 Community Bank of West Kentucky, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57301) · FFIEC NIC profile (RSSD 3070545)