Century Bank & Trust: 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 Fed funds sold and reverse repos: 31.9% lower than in Q1 2026, at $21.4M. Within Georgia, Century Bank & Trust is 92nd of 122 on loan-to-deposit ratio, 62.26% as of Q2 2026, below the middle of the field. Century Bank & Trust reported 62.26% on loan-to-deposit ratio for Q2 2026, 18.58 points below 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 | $53.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $197.8M |
| Fed funds sold and reverse repos | $21.4M |
| Fed funds sold and reverse repos to assets | 4.36% |
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 | 62.26% |
| Net loans and leases to deposits | 61.60% |
| Loans and leases to core deposits | 64.70% |
| Core deposits to total deposits | 96.23% |
| 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 | 60.28% | 97.77% | $0 | $11.0M |
| Q4 2023 | 58.37% | 94.59% | $0 | $4.0M |
| Q1 2024 | 54.69% | 93.39% | $0 | $4.0M |
| Q2 2024 | 59.67% | 94.67% | $0 | $4.0M |
| Q3 2024 | 60.76% | 93.93% | $0 | $4.0M |
| Q4 2024 | 60.27% | 95.93% | $0 | $0 |
| Q1 2025 | 60.63% | 97.18% | $0 | $0 |
| Q2 2025 | 62.22% | 97.81% | $0 | $0 |
| Q3 2025 | 63.57% | 97.70% | $0 | $0 |
| Q4 2025 | 62.64% | 97.85% | $0 | $0 |
| Q1 2026 | 59.71% | 96.11% | $0 | $0 |
| Q2 2026 | 62.26% | 96.23% | $0 | $0 |
Century Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 147) · FFIEC NIC profile (RSSD 944337)