Century 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 Cash and balances due from depository institutions: 24.4% lower than in Q1 2026, at $22.9M. Within Mississippi, Century Bank is 26th of 57 on loan-to-deposit ratio, 77.52% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Century Bank sits 3.03 points lower, at 77.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $137.3M |
| 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 | 77.52% |
| Net loans and leases to deposits | 76.50% |
| Loans and leases to core deposits | 92.31% |
| Core deposits to total deposits | 83.96% |
| Brokered deposits to total deposits | 0.01% |
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 | 77.66% | 91.47% | $0 | $1.0M |
| Q4 2023 | 75.93% | 92.30% | $0 | $0 |
| Q1 2024 | 80.08% | 91.36% | $0 | $6.0M |
| Q2 2024 | 78.08% | 90.34% | $0 | $0 |
| Q3 2024 | 77.50% | 86.43% | $0 | $0 |
| Q4 2024 | 75.15% | 84.24% | $0 | $0 |
| Q1 2025 | 74.80% | 84.77% | $0 | $0 |
| Q2 2025 | 73.17% | 84.10% | $0 | $0 |
| Q3 2025 | 72.76% | 84.61% | $0 | $0 |
| Q4 2025 | 77.07% | 84.31% | $0 | $0 |
| Q1 2026 | 76.11% | 83.80% | $0 | $0 |
| Q2 2026 | 77.52% | 83.96% | $0 | $0 |
Century Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Century 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 Century Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11448) · FFIEC NIC profile (RSSD 58636)