Bank of Travelers Rest: 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 Fed funds sold and reverse repos: 34.4% lower than in Q1 2026, at $27.3M. Within South Carolina, Bank of Travelers Rest is 32nd of 44 on loan-to-deposit ratio, 64.80% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of Travelers Rest sits 23.40 points lower, at 64.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $176.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $616.5M |
| Fed funds sold and reverse repos | $27.3M |
| Fed funds sold and reverse repos to assets | 1.71% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $14.5M |
| 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 | 64.80% |
| Net loans and leases to deposits | 63.95% |
| Loans and leases to core deposits | 68.97% |
| Core deposits to total deposits | 93.96% |
| 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 | 61.14% | 95.80% | $11.8M | $0 |
| Q4 2023 | 61.85% | 94.95% | $10.8M | $0 |
| Q1 2024 | 60.97% | 94.49% | $10.6M | $0 |
| Q2 2024 | 62.15% | 94.48% | $8.7M | $0 |
| Q3 2024 | 63.98% | 94.26% | $9.0M | $0 |
| Q4 2024 | 62.33% | 94.72% | $8.3M | $0 |
| Q1 2025 | 62.18% | 94.75% | $10.7M | $0 |
| Q2 2025 | 64.10% | 94.41% | $11.1M | $0 |
| Q3 2025 | 64.76% | 94.40% | $11.3M | $0 |
| Q4 2025 | 64.59% | 94.19% | $7.8M | $0 |
| Q1 2026 | 63.95% | 94.16% | $10.9M | $0 |
| Q2 2026 | 64.80% | 93.96% | $14.5M | $0 |
Bank of Travelers Rest liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Travelers Rest, 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 Travelers Rest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16389) · FFIEC NIC profile (RSSD 589523)