Banksouth: 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 Loans and leases to core deposits: 3.92 percentage points higher than in Q1 2026, at 114.21%. On loan-to-deposit ratio, Banksouth ranks 5th highest among the 93 banks headquartered in Alabama, at 101.67% (Q2 2026). Banksouth reported 101.67% on loan-to-deposit ratio for Q2 2026, 20.83 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.4M |
| 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 | 101.67% |
| Net loans and leases to deposits | 100.09% |
| Loans and leases to core deposits | 114.21% |
| Core deposits to total deposits | 89.02% |
| 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 | 101.36% | 92.55% | $0 | $0 |
| Q4 2023 | 99.14% | 92.26% | $0 | $0 |
| Q1 2024 | 100.40% | 91.27% | $0 | $0 |
| Q2 2024 | 104.55% | 90.21% | $0 | $1.5M |
| Q3 2024 | 101.40% | 88.95% | $0 | $0 |
| Q4 2024 | 97.15% | 90.20% | $0 | $0 |
| Q1 2025 | 96.59% | 88.99% | $0 | $0 |
| Q2 2025 | 100.88% | 88.42% | $0 | $0 |
| Q3 2025 | 102.55% | 89.70% | $0 | $0 |
| Q4 2025 | 102.38% | 89.44% | $0 | $0 |
| Q1 2026 | 98.79% | 89.57% | $0 | $0 |
| Q2 2026 | 101.67% | 89.02% | $0 | $0 |
Banksouth liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Banksouth, 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 Banksouth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 77) · FFIEC NIC profile (RSSD 194936)