Bank of the Lowcountry: 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 Other borrowed money: 100.0% higher than in Q1 2026, at $30.0M. Within South Carolina, Bank of the Lowcountry is 12th of 44 on loan-to-deposit ratio, 89.42% 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 the Lowcountry sits 8.58 points higher, at 89.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $92.8M |
| Fed funds sold and reverse repos | $963K |
| Fed funds sold and reverse repos to assets | 0.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.42% |
| Net loans and leases to deposits | 88.58% |
| Loans and leases to core deposits | 94.49% |
| Core deposits to total deposits | 94.63% |
| 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 | 69.44% | 91.54% | $0 | $0 |
| Q4 2023 | 67.65% | 85.93% | $0 | $0 |
| Q1 2024 | 66.70% | 86.87% | $0 | $0 |
| Q2 2024 | 71.99% | 80.20% | $0 | $0 |
| Q3 2024 | 71.97% | 81.21% | $0 | $0 |
| Q4 2024 | 83.53% | 93.69% | $2.0M | $0 |
| Q1 2025 | 79.77% | 94.03% | $0 | $0 |
| Q2 2025 | 82.87% | 93.44% | $0 | $0 |
| Q3 2025 | 84.38% | 93.81% | $3.0M | $20.0M |
| Q4 2025 | 86.23% | 94.39% | $0 | $30.0M |
| Q1 2026 | 82.60% | 94.61% | $0 | $15.0M |
| Q2 2026 | 89.42% | 94.63% | $0 | $30.0M |
Bank of the Lowcountry liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Lowcountry, 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 the Lowcountry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27496) · FFIEC NIC profile (RSSD 1404481)