Bank of Dawson: 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 10.14 percentage points in Q2 2026, from 82.47% to 92.61%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Bank of Dawson is 68th of 122 on loan-to-deposit ratio, 76.89% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Dawson sits 3.95 points lower, at 76.89% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.1M |
| Fed funds sold and reverse repos | $6.8M |
| Fed funds sold and reverse repos to assets | 4.27% |
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 | 76.89% |
| Net loans and leases to deposits | 75.64% |
| Loans and leases to core deposits | 92.61% |
| Core deposits to total deposits | 83.03% |
| 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 | 76.75% | 83.99% | $0 | $0 |
| Q4 2023 | 69.16% | 83.08% | $0 | $0 |
| Q1 2024 | 71.52% | 83.54% | $0 | $0 |
| Q2 2024 | 78.97% | 82.41% | $0 | $5.0M |
| Q3 2024 | 79.83% | 79.19% | $0 | $5.0M |
| Q4 2024 | 73.70% | 79.25% | $0 | $5.0M |
| Q1 2025 | 75.56% | 81.10% | $0 | $0 |
| Q2 2025 | 72.96% | 81.88% | $0 | $0 |
| Q3 2025 | 73.78% | 82.14% | $0 | $0 |
| Q4 2025 | 68.91% | 82.97% | $0 | $0 |
| Q1 2026 | 68.42% | 82.97% | $0 | $0 |
| Q2 2026 | 76.89% | 83.03% | $0 | $0 |
Bank of Dawson liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Dawson, 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 Dawson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 876) · FFIEC NIC profile (RSSD 193537)