Whitaker Bank, 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 22.0% lower than in Q1 2026, at $100.8M. Within Kentucky, Whitaker Bank, Inc is 100th of 120 on loan-to-deposit ratio, 68.28% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Whitaker Bank, Inc sits 19.92 points lower, at 68.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $100.8M |
| Cash and noninterest-bearing balances to assets | 5.23% |
| Cash and securities | $710.1M |
| 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 | $68.9M |
| Other borrowed money | $6.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.28% |
| Net loans and leases to deposits | 67.25% |
| Loans and leases to core deposits | 68.81% |
| Core deposits to total deposits | 99.23% |
| 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 | 57.62% | 99.16% | $63.2M | $9.6M |
| Q4 2023 | 60.61% | 99.26% | $61.3M | $41.6M |
| Q1 2024 | 61.33% | 99.18% | $60.7M | $6.5M |
| Q2 2024 | 62.60% | 99.32% | $54.3M | $6.5M |
| Q3 2024 | 64.56% | 99.20% | $61.9M | $6.4M |
| Q4 2024 | 62.49% | 99.23% | $60.8M | $6.4M |
| Q1 2025 | 61.80% | 99.27% | $64.1M | $6.4M |
| Q2 2025 | 64.40% | 99.28% | $62.8M | $6.3M |
| Q3 2025 | 65.72% | 99.29% | $69.8M | $6.3M |
| Q4 2025 | 67.64% | 99.12% | $62.6M | $6.3M |
| Q1 2026 | 66.11% | 99.18% | $63.4M | $6.2M |
| Q2 2026 | 68.28% | 99.23% | $68.9M | $6.2M |
Whitaker Bank, Inc liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Whitaker Bank, 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 Whitaker Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32912) · FFIEC NIC profile (RSSD 1445943)