The Bank of South Carolina: 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.
The standout move of Q2 2026 was in Cash and noninterest-bearing balances to assets: 1.81 percentage points lower than in Q1 2026, at 10.97%. The Bank of South Carolina ranks 26th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 74.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of South Carolina sits 6.53 points lower, at 74.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $62.7M |
| Cash and noninterest-bearing balances to assets | 10.97% |
| Cash and securities | $185.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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 | 74.31% |
| Net loans and leases to deposits | 73.41% |
| Loans and leases to core deposits | 76.23% |
| Core deposits to total deposits | 97.48% |
| 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 | 65.26% | 98.09% | $0 | $50.0M |
| Q4 2023 | 66.28% | 97.19% | $0 | $46.0M |
| Q1 2024 | 68.21% | 95.90% | $0 | $25.0M |
| Q2 2024 | 71.21% | 93.68% | $0 | $10.2M |
| Q3 2024 | 70.92% | 93.61% | $0 | $0 |
| Q4 2024 | 75.15% | 91.28% | $0 | $0 |
| Q1 2025 | 72.14% | 91.56% | $0 | $0 |
| Q2 2025 | 71.21% | 91.60% | $0 | $0 |
| Q3 2025 | 70.10% | 91.60% | $0 | $0 |
| Q4 2025 | 72.29% | 92.57% | $0 | $0 |
| Q1 2026 | 74.16% | 97.43% | $0 | $0 |
| Q2 2026 | 74.31% | 97.48% | $0 | $0 |
The Bank of South Carolina 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 South Carolina, 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 South Carolina profile, peer group comparison, or how this data updates.
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