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.
Loans and leases to core deposits climbed 6.91 percentage points in Q2 2026, from 93.54% to 100.45%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Banksouth is 20th of 122 on loan-to-deposit ratio, 91.01% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Banksouth sits 2.81 points higher, at 91.01% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $165.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $288.8M |
| 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 | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.01% |
| Net loans and leases to deposits | 89.73% |
| Loans and leases to core deposits | 100.45% |
| Core deposits to total deposits | 88.42% |
| Brokered deposits to total deposits | 2.26% |
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 | 95.09% | 86.64% | $0 | $40.0M |
| Q4 2023 | 101.36% | 84.90% | $0 | $65.0M |
| Q1 2024 | 96.77% | 83.16% | $0 | $40.0M |
| Q2 2024 | 96.93% | 83.00% | $0 | $40.0M |
| Q3 2024 | 94.51% | 82.05% | $0 | $40.0M |
| Q4 2024 | 95.66% | 81.39% | $0 | $40.0M |
| Q1 2025 | 93.27% | 84.17% | $0 | $40.0M |
| Q2 2025 | 94.03% | 84.66% | $0 | $40.0M |
| Q3 2025 | 95.91% | 85.49% | $0 | $40.0M |
| Q4 2025 | 90.99% | 86.08% | $0 | $40.0M |
| Q1 2026 | 84.74% | 87.47% | $0 | $40.0M |
| Q2 2026 | 91.01% | 88.42% | $0 | $40.0M |
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 16418) · FFIEC NIC profile (RSSD 88231)