United Cumberland Bank: 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.
Loans and leases to core deposits climbed 3.47 percentage points in Q2 2026, from 91.50% to 94.98%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, United Cumberland Bank is 55th of 120 on loan-to-deposit ratio, 84.71% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Cumberland Bank sits 3.88 points higher, at 84.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $106.5M |
| 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 | $3.2M |
| Other borrowed money | $5.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.71% |
| Net loans and leases to deposits | 83.53% |
| Loans and leases to core deposits | 94.98% |
| Core deposits to total deposits | 88.19% |
| Brokered deposits to total deposits | 1.00% |
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 | 79.50% | 93.17% | $4.4M | $5.2M |
| Q4 2023 | 78.28% | 90.80% | $3.9M | $4.9M |
| Q1 2024 | 77.01% | 90.67% | $3.9M | $4.7M |
| Q2 2024 | 80.35% | 90.21% | $3.2M | $4.3M |
| Q3 2024 | 81.45% | 87.15% | $3.3M | $4.0M |
| Q4 2024 | 82.98% | 87.16% | $3.0M | $8.8M |
| Q1 2025 | 81.66% | 88.15% | $3.1M | $8.6M |
| Q2 2025 | 80.43% | 87.50% | $3.1M | $8.3M |
| Q3 2025 | 81.27% | 87.14% | $3.3M | $5.6M |
| Q4 2025 | 80.93% | 88.51% | $3.0M | $5.5M |
| Q1 2026 | 81.48% | 88.05% | $3.4M | $5.3M |
| Q2 2026 | 84.71% | 88.19% | $3.2M | $5.1M |
United Cumberland Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Cumberland Bank, 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 Cumberland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 303) · FFIEC NIC profile (RSSD 425818)