The Bank of Lafayette: 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 dropped 93.3% in Q2 2026, from $7.5M to $500K. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Bank of Lafayette is 10th from the bottom among 122 Georgia banks, 44.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Bank of Lafayette sits 36.33 points lower, at 44.61% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $253.9M |
| Fed funds sold and reverse repos | $500K |
| Fed funds sold and reverse repos to assets | 0.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.2M |
| Other borrowed money | $28.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.61% |
| Net loans and leases to deposits | 44.34% |
| Loans and leases to core deposits | 48.02% |
| Core deposits to total deposits | 92.90% |
| 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 | 43.09% | 95.75% | $1.8M | $25.0M |
| Q4 2023 | 41.16% | 95.78% | $1.9M | $15.0M |
| Q1 2024 | 42.92% | 96.27% | $1.4M | $30.0M |
| Q2 2024 | 42.92% | 94.64% | $1.6M | $30.0M |
| Q3 2024 | 47.44% | 94.42% | $1.8M | $30.0M |
| Q4 2024 | 43.02% | 95.29% | $1.4M | $15.8M |
| Q1 2025 | 42.97% | 94.55% | $1.3M | $15.8M |
| Q2 2025 | 44.55% | 93.74% | $2.0M | $21.0M |
| Q3 2025 | 48.94% | 92.85% | $1.9M | $49.5M |
| Q4 2025 | 45.63% | 93.65% | $1.4M | $49.5M |
| Q1 2026 | 45.19% | 93.26% | $2.1M | $44.2M |
| Q2 2026 | 44.61% | 92.90% | $2.2M | $28.2M |
The Bank of Lafayette 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 Lafayette, 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 Lafayette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9245) · FFIEC NIC profile (RSSD 944739)