Bank of Madison: 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 1.54 percentage points in Q3 2026, from 94.24% to 95.78%. It was the largest change from Q2 2026 among the key lines here. Within Georgia, Bank of Madison is 46th of 122 on loan-to-deposit ratio, 83.49% as of Q3 2026, above the middle of the field. Bank of Madison reported 83.49% on loan-to-deposit ratio for Q3 2026, 2.65 points above the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $113.9M |
| Fed funds sold and reverse repos | $12.5M |
| Fed funds sold and reverse repos to assets | 2.79% |
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 | 83.49% |
| Net loans and leases to deposits | 82.29% |
| Loans and leases to core deposits | 95.78% |
| Core deposits to total deposits | 87.17% |
| 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 | 76.69% | 85.71% | $0 | $0 |
| Q1 2024 | 77.67% | 85.82% | $0 | $0 |
| Q2 2024 | 79.65% | 85.99% | $0 | $0 |
| Q3 2024 | 79.68% | 85.82% | $0 | $0 |
| Q4 2024 | 82.27% | 86.73% | $0 | $0 |
| Q1 2025 | 76.63% | 86.74% | $0 | $0 |
| Q2 2025 | 77.90% | 86.32% | $0 | $0 |
| Q3 2025 | 79.95% | 86.65% | $0 | $0 |
| Q4 2025 | 84.26% | 87.70% | $0 | $0 |
| Q1 2026 | 79.52% | 87.24% | $0 | $0 |
| Q2 2026 | 82.05% | 87.07% | $0 | $0 |
| Q3 2026 | 83.49% | 87.17% | $0 | $0 |
Bank of Madison liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Madison, 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 Madison profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 148) · FFIEC NIC profile (RSSD 752831)