Wilson & Muir Bank & Trust Company: 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 Fed funds sold and reverse repos: 62.1% lower than in Q1 2026, at $1.5M. Wilson & Muir Bank & Trust Company ranks 86th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 75.55% (Q2 2026). Wilson & Muir Bank & Trust Company reported 75.55% on loan-to-deposit ratio for Q2 2026, 5.39 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.8M |
| Cash and noninterest-bearing balances to assets | 4.08% |
| Cash and securities | $252.8M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $25.5M |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.55% |
| Net loans and leases to deposits | 74.81% |
| Loans and leases to core deposits | 84.83% |
| Core deposits to total deposits | 89.06% |
| 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 | 69.98% | 93.15% | $40.3M | $33.0M |
| Q4 2023 | 67.73% | 93.08% | $47.4M | $0 |
| Q1 2024 | 72.12% | 92.53% | $38.5M | $27.0M |
| Q2 2024 | 73.30% | 91.38% | $30.4M | $36.0M |
| Q3 2024 | 73.72% | 89.47% | $28.5M | $22.0M |
| Q4 2024 | 73.86% | 89.53% | $42.3M | $2.0M |
| Q1 2025 | 67.25% | 89.42% | $32.3M | $0 |
| Q2 2025 | 73.21% | 90.15% | $35.8M | $0 |
| Q3 2025 | 71.87% | 89.15% | $31.0M | $0 |
| Q4 2025 | 70.34% | 90.09% | $34.1M | $0 |
| Q1 2026 | 71.30% | 89.88% | $40.9M | $0 |
| Q2 2026 | 75.55% | 89.06% | $25.5M | $5.0M |
Wilson & Muir Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson & Muir Bank & Trust Company, 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 Wilson & Muir Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17040) · FFIEC NIC profile (RSSD 899343)