CBL State Savings Bank: 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 Net loans and leases to deposits: 2.56 percentage points lower than in Q1 2026, at 92.63%. Within South Carolina, CBL State Savings Bank is 8th of 44 on loan-to-deposit ratio, 93.52% 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. CBL State Savings Bank sits 12.68 points higher, at 93.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.5M |
| 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 | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.52% |
| Net loans and leases to deposits | 92.63% |
| Loans and leases to core deposits | 129.57% |
| Core deposits to total deposits | 72.18% |
| 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 | 95.98% | 74.86% | $0 | $5.0M |
| Q4 2023 | 97.73% | 74.06% | $0 | $5.0M |
| Q1 2024 | 94.71% | 71.26% | $0 | $15.0M |
| Q2 2024 | 95.26% | 71.40% | $0 | $35.0M |
| Q3 2024 | 96.07% | 70.92% | $0 | $35.0M |
| Q4 2024 | 94.01% | 71.69% | $0 | $35.0M |
| Q1 2025 | 93.95% | 70.93% | $0 | $30.0M |
| Q2 2025 | 94.68% | 71.58% | $0 | $30.0M |
| Q3 2025 | 94.45% | 71.40% | $0 | $30.0M |
| Q4 2025 | 95.33% | 72.49% | $0 | $30.0M |
| Q1 2026 | 96.08% | 72.89% | $0 | $30.0M |
| Q2 2026 | 93.52% | 72.18% | $0 | $30.0M |
CBL State Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock CBL State Savings Bank, 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 CBL State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31900) · FFIEC NIC profile (RSSD 851172)