Community Bank of Georgia: 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 Core deposits to total deposits: 2.73 percentage points lower than in Q1 2026, at 77.34%. Community Bank of Georgia ranks 66th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 78.56% (Q2 2026). At 78.56%, Community Bank of Georgia's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $61.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $79.7M |
| Fed funds sold and reverse repos | $58.3M |
| Fed funds sold and reverse repos to assets | 21.62% |
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 | 78.56% |
| Net loans and leases to deposits | 77.09% |
| Loans and leases to core deposits | 86.73% |
| Core deposits to total deposits | 77.34% |
| Brokered deposits to total deposits | 13.25% |
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 | 66.10% | 77.65% | $0 | $0 |
| Q4 2023 | 65.57% | 77.25% | $0 | $0 |
| Q1 2024 | 65.55% | 79.17% | $0 | $0 |
| Q2 2024 | 66.12% | 76.15% | $0 | $0 |
| Q3 2024 | 68.80% | 78.08% | $0 | $0 |
| Q4 2024 | 67.81% | 83.52% | $0 | $0 |
| Q1 2025 | 70.63% | 78.80% | $0 | $0 |
| Q2 2025 | 68.05% | 77.06% | $0 | $0 |
| Q3 2025 | 72.49% | 80.88% | $0 | $0 |
| Q4 2025 | 75.69% | 79.68% | $0 | $0 |
| Q1 2026 | 80.19% | 80.07% | $0 | $0 |
| Q2 2026 | 78.56% | 77.34% | $0 | $0 |
Community Bank of Georgia liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Georgia, 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 Community Bank of Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57579) · FFIEC NIC profile (RSSD 3213333)