Coastal Carolina National 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 Fed funds sold and reverse repos: 241.2% higher than in Q1 2026, at $13.7M. Within South Carolina, Coastal Carolina National Bank is 20th of 44 on loan-to-deposit ratio, 80.79% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Coastal Carolina National Bank sits 7.41 points lower, at 80.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $253.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $328.3M |
| Fed funds sold and reverse repos | $13.7M |
| Fed funds sold and reverse repos to assets | 1.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $870K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.79% |
| Net loans and leases to deposits | 79.88% |
| Loans and leases to core deposits | 84.40% |
| Core deposits to total deposits | 78.00% |
| Brokered deposits to total deposits | 17.72% |
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 | 90.31% | 95.01% | $0 | $7.7M |
| Q4 2023 | 91.91% | 95.28% | $0 | $19.1M |
| Q1 2024 | 88.95% | 77.06% | $0 | $2.0M |
| Q2 2024 | 81.43% | 73.66% | $0 | $2.0M |
| Q3 2024 | 81.54% | 76.31% | $0 | $1.8M |
| Q4 2024 | 84.54% | 78.53% | $0 | $1.7M |
| Q1 2025 | 86.01% | 77.53% | $0 | $1.6M |
| Q2 2025 | 81.40% | 77.50% | $0 | $1.4M |
| Q3 2025 | 82.95% | 76.85% | $0 | $1.3M |
| Q4 2025 | 81.76% | 81.30% | $0 | $1.2M |
| Q1 2026 | 84.06% | 77.03% | $0 | $1.0M |
| Q2 2026 | 80.79% | 78.00% | $0 | $870K |
Coastal Carolina National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Coastal Carolina National 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 Coastal Carolina National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58864) · FFIEC NIC profile (RSSD 3821822)