Carolina Bank & Trust Company: 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.
In Q2 2026, Cash and balances due from depository institutions edged down by 2.3%, from $86.0M to $84.1M, the largest move among the key lines here. Within South Carolina, Carolina Bank & Trust Company is 17th of 44 on loan-to-deposit ratio, 83.42% 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. Carolina Bank & Trust Company sits 2.58 points higher, at 83.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $84.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $214.4M |
| 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 | 83.42% |
| Net loans and leases to deposits | 82.29% |
| Loans and leases to core deposits | 87.94% |
| Core deposits to total deposits | 94.86% |
| 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 | 82.87% | 95.81% | $0 | $0 |
| Q4 2023 | 82.09% | 95.38% | $0 | $0 |
| Q1 2024 | 92.15% | 94.74% | $0 | $5.0M |
| Q2 2024 | 92.87% | 94.51% | $0 | $0 |
| Q3 2024 | 93.49% | 94.37% | $0 | $5.0M |
| Q4 2024 | 85.41% | 94.74% | $0 | $0 |
| Q1 2025 | 89.56% | 94.33% | $0 | $0 |
| Q2 2025 | 83.98% | 94.24% | $0 | $0 |
| Q3 2025 | 80.81% | 94.26% | $0 | $0 |
| Q4 2025 | 75.99% | 95.12% | $0 | $0 |
| Q1 2026 | 83.51% | 94.93% | $0 | $0 |
| Q2 2026 | 83.42% | 94.86% | $0 | $0 |
Carolina Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Carolina Bank & Trust Company, 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 Carolina Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16723) · FFIEC NIC profile (RSSD 355120)