1st Federal Savings Bank of SC, 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 Other borrowed money: 24.6% lower than in Q1 2026, at $3.1M. 1st Federal Savings Bank of SC, Inc. ranks 15th of 44 South Carolina banks on loan-to-deposit ratio, in the upper half at 86.80% (Q2 2026). 1st Federal Savings Bank of SC, Inc. reported 86.80% on loan-to-deposit ratio for Q2 2026, 5.96 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 | $16.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.2M |
| 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 | $3.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.80% |
| Net loans and leases to deposits | 86.10% |
| Loans and leases to core deposits | 95.65% |
| Core deposits to total deposits | 90.75% |
| 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 | 80.45% | 96.22% | $0 | $5.8M |
| Q4 2023 | 94.63% | 95.52% | $0 | $22.0M |
| Q1 2024 | 90.03% | 95.67% | $0 | $14.8M |
| Q2 2024 | 89.65% | 92.86% | $0 | $20.6M |
| Q3 2024 | 87.95% | 91.59% | $0 | $17.1M |
| Q4 2024 | 96.78% | 91.78% | $0 | $8.8M |
| Q1 2025 | 89.06% | 91.91% | $0 | $8.0M |
| Q2 2025 | 89.10% | 92.01% | $0 | $6.5M |
| Q3 2025 | 88.95% | 91.69% | $0 | $2.1M |
| Q4 2025 | 91.98% | 91.37% | $0 | $2.1M |
| Q1 2026 | 86.51% | 91.54% | $0 | $4.1M |
| Q2 2026 | 86.80% | 90.75% | $0 | $3.1M |
1st Federal Savings Bank of SC, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Federal Savings Bank of SC, 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 1st Federal Savings Bank of SC, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31410) · FFIEC NIC profile (RSSD 535575)