Ameris 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.
Other borrowed money climbed 40.8% in Q2 2026, from $888.0M to $1.25B. It was the largest change from Q1 2026 among the key lines here. Among 122 Georgia banks, Ameris Bank sits 7th from the top on loan-to-deposit ratio, 99.85% as of Q2 2026. Ameris Bank reported 99.85% on loan-to-deposit ratio for Q2 2026, 13.02 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.20B |
| Cash and noninterest-bearing balances to assets | 4.21% |
| Cash and securities | $3.87B |
| 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 | $1.25B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.40% |
| Trading liabilities | $7.3M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.85% |
| Net loans and leases to deposits | 98.26% |
| Loans and leases to core deposits | 103.42% |
| Core deposits to total deposits | 89.74% |
| Brokered deposits to total deposits | 6.80% |
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 | 99.31% | 88.85% | $0 | $918.5M |
| Q4 2023 | 98.45% | 90.81% | $0 | $218.5M |
| Q1 2024 | 99.17% | 90.14% | $0 | $343.4M |
| Q2 2024 | 99.95% | 90.32% | $0 | $658.4M |
| Q3 2024 | 97.61% | 88.53% | $0 | $58.3M |
| Q4 2024 | 97.27% | 92.44% | $0 | $108.3M |
| Q1 2025 | 96.53% | 91.30% | $0 | $93.2M |
| Q2 2025 | 97.61% | 91.16% | $0 | $193.2M |
| Q3 2025 | 97.46% | 91.12% | $0 | $228.1M |
| Q4 2025 | 98.56% | 91.13% | $0 | $558.0M |
| Q1 2026 | 98.39% | 90.67% | $0 | $888.0M |
| Q2 2026 | 99.85% | 89.74% | $0 | $1.25B |
Ameris Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameris 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 Ameris Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20504) · FFIEC NIC profile (RSSD 764030)