Bank of Monticello: 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 4.55 percentage points in Q2 2026, from 81.97% to 86.51%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Bank of Monticello is 42nd of 122 on loan-to-deposit ratio, 84.66% as of Q2 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 Monticello sits 3.82 points higher, at 84.66% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.6M |
| Fed funds sold and reverse repos | $3.6M |
| Fed funds sold and reverse repos to assets | 2.26% |
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 | 84.66% |
| Net loans and leases to deposits | 83.31% |
| Loans and leases to core deposits | 86.51% |
| Core deposits to total deposits | 97.86% |
| 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 | 77.77% | 99.03% | $0 | $0 |
| Q4 2023 | 78.37% | 99.04% | $0 | $0 |
| Q1 2024 | 76.33% | 98.84% | $0 | $0 |
| Q2 2024 | 78.50% | 98.83% | $0 | $0 |
| Q3 2024 | 80.75% | 98.83% | $0 | $0 |
| Q4 2024 | 78.61% | 98.67% | $0 | $0 |
| Q1 2025 | 80.51% | 98.68% | $0 | $0 |
| Q2 2025 | 83.90% | 98.47% | $0 | $0 |
| Q3 2025 | 85.68% | 98.42% | $0 | $0 |
| Q4 2025 | 82.65% | 98.72% | $0 | $0 |
| Q1 2026 | 80.93% | 98.73% | $0 | $0 |
| Q2 2026 | 84.66% | 97.86% | $0 | $0 |
Bank of Monticello liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Monticello, 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 Monticello profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2145) · FFIEC NIC profile (RSSD 805335)