Bank of Dudley: 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 10.71 percentage points in Q3 2026, from 85.14% to 95.85%. It was the largest change from Q2 2026 among the key lines here. Within Georgia, Bank of Dudley is 40th of 122 on loan-to-deposit ratio, 85.28% as of Q3 2026, above 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 Dudley sits 4.45 points higher, at 85.28% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $59.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $106.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 85.28% |
| Net loans and leases to deposits | 84.11% |
| Loans and leases to core deposits | 95.85% |
| Core deposits to total deposits | 88.97% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 76.15% | 91.91% | $0 | $0 |
| Q1 2024 | 73.25% | 91.17% | $0 | $0 |
| Q2 2024 | 75.04% | 91.14% | $0 | $0 |
| Q3 2024 | 77.37% | 90.86% | $0 | $0 |
| Q4 2024 | 72.31% | 92.49% | $0 | $0 |
| Q1 2025 | 72.18% | 91.80% | $0 | $0 |
| Q2 2025 | 76.08% | 91.08% | $0 | $0 |
| Q3 2025 | 71.78% | 90.32% | $0 | $0 |
| Q4 2025 | 75.38% | 88.65% | $0 | $0 |
| Q1 2026 | 73.04% | 88.80% | $0 | $0 |
| Q2 2026 | 75.89% | 89.13% | $0 | $0 |
| Q3 2026 | 85.28% | 88.97% | $0 | $0 |
Bank of Dudley liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Dudley, 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 Dudley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9068) · FFIEC NIC profile (RSSD 546535)