The Citizens Bank of Swainsboro: 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 1.54 percentage points in Q2 2026, from 89.69% to 91.24%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, The Citizens Bank of Swainsboro is 52nd of 122 on loan-to-deposit ratio, 81.91% 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; The Citizens Bank of Swainsboro reported 81.91% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $58.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $111.1M |
| 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 | 81.91% |
| Net loans and leases to deposits | 80.31% |
| Loans and leases to core deposits | 91.24% |
| Core deposits to total deposits | 89.78% |
| 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 | 85.03% | 93.94% | $0 | $0 |
| Q4 2023 | 81.99% | 93.65% | $0 | $0 |
| Q1 2024 | 82.69% | 93.81% | $0 | $0 |
| Q2 2024 | 85.37% | 92.52% | $0 | $0 |
| Q3 2024 | 82.93% | 91.87% | $0 | $0 |
| Q4 2024 | 76.70% | 92.21% | $0 | $0 |
| Q1 2025 | 77.64% | 90.66% | $0 | $0 |
| Q2 2025 | 79.94% | 90.91% | $0 | $0 |
| Q3 2025 | 79.97% | 89.94% | $0 | $0 |
| Q4 2025 | 80.69% | 89.56% | $0 | $0 |
| Q1 2026 | 80.61% | 89.88% | $0 | $0 |
| Q2 2026 | 81.91% | 89.78% | $0 | $0 |
The Citizens Bank of Swainsboro liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Swainsboro, 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 The Citizens Bank of Swainsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11295) · FFIEC NIC profile (RSSD 268136)