West Point 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.
Cash and balances due from depository institutions dropped 38.7% in Q2 2026, from $34.0M to $20.8M. It was the largest change from Q1 2026 among the key lines here. West Point Bank ranks 28th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 93.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. West Point Bank sits 12.66 points higher, at 93.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.8M |
| Cash and noninterest-bearing balances to assets | 3.71% |
| Cash and securities | $94.2M |
| 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 | $0 |
| Other borrowed money | $40.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.21% |
| Net loans and leases to deposits | 92.73% |
| Loans and leases to core deposits | 101.71% |
| Core deposits to total deposits | 79.93% |
| Brokered deposits to total deposits | 11.72% |
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 | 100.34% | 86.31% | $23.0M | $53.8M |
| Q4 2023 | 98.97% | 82.23% | $19.5M | $53.7M |
| Q1 2024 | 102.90% | 83.01% | $32.5M | $56.2M |
| Q2 2024 | 104.93% | 82.90% | $37.2M | $56.1M |
| Q3 2024 | 96.67% | 80.24% | $0 | $60.5M |
| Q4 2024 | 95.79% | 81.24% | $0 | $58.4M |
| Q1 2025 | 94.23% | 77.66% | $0 | $53.4M |
| Q2 2025 | 95.23% | 77.46% | $0 | $53.3M |
| Q3 2025 | 94.21% | 77.38% | $0 | $40.7M |
| Q4 2025 | 93.14% | 76.73% | $0 | $40.6M |
| Q1 2026 | 90.75% | 78.61% | $0 | $40.6M |
| Q2 2026 | 93.21% | 79.93% | $0 | $40.5M |
West Point Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Point 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 West Point Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12166) · FFIEC NIC profile (RSSD 79042)