The Bank of Clarendon: 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 Loans and leases to core deposits: 3.39 percentage points higher than in Q1 2026, at 62.92%. The Bank of Clarendon ranks 35th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 57.85% (Q2 2026). The Bank of Clarendon reported 57.85% on loan-to-deposit ratio for Q2 2026, 22.99 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 | $49.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $197.1M |
| Fed funds sold and reverse repos | $225K |
| Fed funds sold and reverse repos to assets | 0.05% |
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 | 57.85% |
| Net loans and leases to deposits | 57.27% |
| Loans and leases to core deposits | 62.92% |
| Core deposits to total deposits | 91.95% |
| 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 | 57.32% | 95.04% | $0 | $0 |
| Q4 2023 | 56.26% | 93.56% | $0 | $0 |
| Q1 2024 | 55.22% | 92.42% | $0 | $0 |
| Q2 2024 | 55.15% | 92.97% | $0 | $0 |
| Q3 2024 | 55.36% | 92.57% | $0 | $0 |
| Q4 2024 | 53.47% | 91.49% | $0 | $0 |
| Q1 2025 | 53.14% | 90.74% | $0 | $0 |
| Q2 2025 | 54.50% | 91.46% | $0 | $0 |
| Q3 2025 | 55.21% | 90.91% | $0 | $0 |
| Q4 2025 | 54.62% | 92.09% | $0 | $0 |
| Q1 2026 | 54.76% | 91.99% | $0 | $0 |
| Q2 2026 | 57.85% | 91.95% | $0 | $0 |
The Bank of Clarendon liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Clarendon, 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 The Bank of Clarendon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15671) · FFIEC NIC profile (RSSD 3720)