United Southern 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.
The standout move of Q2 2026 was in Other borrowed money: 85.7% lower than in Q1 2026, at $1.2M. United Southern Bank ranks 35th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 91.21% (Q2 2026). United Southern Bank reported 91.21% on loan-to-deposit ratio for Q2 2026, 10.37 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 | $17.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.7M |
| Fed funds sold and reverse repos | $276K |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.21% |
| Net loans and leases to deposits | 90.13% |
| Loans and leases to core deposits | 104.48% |
| Core deposits to total deposits | 87.29% |
| 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 | 88.98% | 91.79% | $0 | $24.7M |
| Q4 2023 | 87.56% | 91.95% | $1K | $19.8M |
| Q1 2024 | 84.99% | 91.42% | $1K | $19.6M |
| Q2 2024 | 86.39% | 91.20% | $1K | $19.4M |
| Q3 2024 | 86.34% | 91.04% | $1K | $9.4M |
| Q4 2024 | 85.36% | 90.99% | $0 | $9.2M |
| Q1 2025 | 84.91% | 90.69% | $0 | $9.0M |
| Q2 2025 | 84.76% | 88.69% | $0 | $8.8M |
| Q3 2025 | 88.58% | 86.12% | $0 | $8.7M |
| Q4 2025 | 91.25% | 86.25% | $0 | $8.5M |
| Q1 2026 | 90.31% | 86.34% | $0 | $8.3M |
| Q2 2026 | 91.21% | 87.29% | $0 | $1.2M |
United Southern Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9309) · FFIEC NIC profile (RSSD 110945)