Bank of Alapaha: 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.
Loans and leases to core deposits climbed 3.51 percentage points in Q2 2026, from 59.00% to 62.51%. It was the largest change from Q1 2026 among the key lines here. Bank of Alapaha ranks 106th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 55.10% (Q2 2026). Bank of Alapaha reported 55.10% on loan-to-deposit ratio for Q2 2026, 25.74 points below 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 | $56.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $117.9M |
| Fed funds sold and reverse repos | $8.3M |
| Fed funds sold and reverse repos to assets | 3.32% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.10% |
| Net loans and leases to deposits | 53.80% |
| Loans and leases to core deposits | 62.51% |
| Core deposits to total deposits | 88.15% |
| 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 | 59.38% | 91.84% | $0 | $0 |
| Q4 2023 | 52.50% | 91.99% | $0 | $0 |
| Q1 2024 | 55.77% | 90.82% | $0 | $0 |
| Q2 2024 | 59.16% | 89.71% | $0 | $0 |
| Q3 2024 | 62.21% | 88.57% | $0 | $0 |
| Q4 2024 | 53.77% | 89.41% | $0 | $0 |
| Q1 2025 | 52.99% | 89.60% | $0 | $0 |
| Q2 2025 | 56.10% | 87.23% | $0 | $0 |
| Q3 2025 | 56.36% | 87.05% | $0 | $0 |
| Q4 2025 | 53.27% | 88.51% | $0 | $0 |
| Q1 2026 | 52.17% | 88.43% | $0 | $0 |
| Q2 2026 | 55.10% | 88.15% | $0 | $0 |
Bank of Alapaha liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Alapaha, 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 Bank of Alapaha profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 155) · FFIEC NIC profile (RSSD 986935)