Bank of Evergreen: 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.
Fed funds sold and reverse repos climbed 95.6% in Q2 2026, from $1.1M to $2.2M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Bank of Evergreen is 83rd of 93 on loan-to-deposit ratio, 45.81% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Bank of Evergreen sits 21.82 points lower, at 45.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.9M |
| Fed funds sold and reverse repos | $2.2M |
| Fed funds sold and reverse repos to assets | 2.82% |
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 | 45.81% |
| Net loans and leases to deposits | 45.08% |
| Loans and leases to core deposits | 50.57% |
| Core deposits to total deposits | 90.58% |
| Brokered deposits to total deposits | 7.35% |
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 | 38.07% | 93.21% | $0 | $1.9M |
| Q4 2023 | 39.71% | 88.01% | $0 | $500K |
| Q1 2024 | 39.53% | 87.45% | $0 | $0 |
| Q2 2024 | 46.11% | 87.43% | $0 | $2.8M |
| Q3 2024 | 45.00% | 87.22% | $0 | $2.8M |
| Q4 2024 | 45.97% | 89.43% | $0 | $1.5M |
| Q1 2025 | 46.03% | 90.77% | $0 | $750K |
| Q2 2025 | 48.61% | 90.31% | $0 | $0 |
| Q3 2025 | 48.28% | 89.61% | $0 | $0 |
| Q4 2025 | 46.62% | 90.33% | $0 | $0 |
| Q1 2026 | 46.14% | 90.39% | $0 | $0 |
| Q2 2026 | 45.81% | 90.58% | $0 | $0 |
Bank of Evergreen liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Evergreen, 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 Evergreen profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 49) · FFIEC NIC profile (RSSD 560438)