The Claxton 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 Other borrowed money: 157.1% higher than in Q1 2026, at $18.0M. The Claxton Bank ranks 35th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 86.44% (Q2 2026). The Claxton Bank reported 86.44% on loan-to-deposit ratio for Q2 2026, 5.50 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.9M |
| 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 | $18.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.44% |
| Net loans and leases to deposits | 85.21% |
| Loans and leases to core deposits | 89.84% |
| Core deposits to total deposits | 90.01% |
| Brokered deposits to total deposits | 6.20% |
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 | 70.29% | 89.22% | $0 | $2.0M |
| Q4 2023 | 69.18% | 85.31% | $0 | $0 |
| Q1 2024 | 67.40% | 85.70% | $0 | $0 |
| Q2 2024 | 64.45% | 85.39% | $0 | $0 |
| Q3 2024 | 67.00% | 86.37% | $0 | $0 |
| Q4 2024 | 64.58% | 85.44% | $0 | $0 |
| Q1 2025 | 71.39% | 89.63% | $0 | $0 |
| Q2 2025 | 77.55% | 87.00% | $0 | $0 |
| Q3 2025 | 73.54% | 86.32% | $0 | $0 |
| Q4 2025 | 76.34% | 88.43% | $0 | $0 |
| Q1 2026 | 84.75% | 82.94% | $0 | $7.0M |
| Q2 2026 | 86.44% | 90.01% | $0 | $18.0M |
The Claxton Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Claxton 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 The Claxton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15826) · FFIEC NIC profile (RSSD 452739)