Coastal States 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 Loans and leases to core deposits: 5.44 percentage points higher than in Q1 2026, at 102.07%. Coastal States Bank ranks 7th of 44 South Carolina banks on loan-to-deposit ratio, in the upper half at 93.93% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Coastal States Bank sits 5.73 points higher, at 93.93% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.5M |
| Cash and noninterest-bearing balances to assets | 1.36% |
| Cash and securities | $382.0M |
| Fed funds sold and reverse repos | $502K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $75.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.93% |
| Net loans and leases to deposits | 92.97% |
| Loans and leases to core deposits | 102.07% |
| Core deposits to total deposits | 79.65% |
| Brokered deposits to total deposits | 12.38% |
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 | 82.36% | 81.71% | $0 | $0 |
| Q4 2023 | 85.58% | 79.72% | $0 | $50.0M |
| Q1 2024 | 86.47% | 83.44% | $0 | $70.0M |
| Q2 2024 | 88.35% | 82.96% | $0 | $70.0M |
| Q3 2024 | 88.64% | 81.08% | $0 | $70.0M |
| Q4 2024 | 86.23% | 75.99% | $0 | $15.0M |
| Q1 2025 | 85.62% | 76.50% | $0 | $0 |
| Q2 2025 | 88.19% | 75.64% | $0 | $0 |
| Q3 2025 | 91.43% | 76.07% | $0 | $25.0M |
| Q4 2025 | 89.85% | 76.10% | $0 | $30.0M |
| Q1 2026 | 88.85% | 79.37% | $0 | $0 |
| Q2 2026 | 93.93% | 79.65% | $0 | $75.0M |
Coastal States Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Coastal States 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 States Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57756) · FFIEC NIC profile (RSSD 3274709)