Colony 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: 5.05 percentage points higher than in Q1 2026, at 90.71%. Within Georgia, Colony Bank is 49th of 122 on loan-to-deposit ratio, 82.72% 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. Colony Bank sits 5.48 points lower, at 82.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $156.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $898.8M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $170.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.72% |
| Net loans and leases to deposits | 81.99% |
| Loans and leases to core deposits | 90.71% |
| Core deposits to total deposits | 87.09% |
| Brokered deposits to total deposits | 4.10% |
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 | 72.08% | 87.20% | $0 | $185.0M |
| Q4 2023 | 74.24% | 89.85% | $0 | $175.0M |
| Q1 2024 | 74.11% | 90.89% | $0 | $155.0M |
| Q2 2024 | 76.71% | 91.62% | $0 | $205.0M |
| Q3 2024 | 74.80% | 89.45% | $0 | $185.0M |
| Q4 2024 | 72.49% | 90.58% | $0 | $185.0M |
| Q1 2025 | 73.47% | 90.60% | $0 | $185.0M |
| Q2 2025 | 77.79% | 90.24% | $0 | $185.0M |
| Q3 2025 | 78.55% | 87.68% | $0 | $185.0M |
| Q4 2025 | 79.41% | 88.02% | $0 | $195.0M |
| Q1 2026 | 79.05% | 87.83% | $0 | $195.0M |
| Q2 2026 | 82.72% | 87.09% | $0 | $170.0M |
Colony Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Colony 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 Colony Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22257) · FFIEC NIC profile (RSSD 491934)