Community Bank of Pickens County: 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.
Fed funds sold and reverse repos dropped 97.2% in Q2 2026, from $4.5M to $124K. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Community Bank of Pickens County is 21st of 122 on loan-to-deposit ratio, 90.99% as of Q2 2026, above the middle of the field. Community Bank of Pickens County reported 90.99% on loan-to-deposit ratio for Q2 2026, 10.16 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.4M |
| Fed funds sold and reverse repos | $124K |
| 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 | $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 | 90.99% |
| Net loans and leases to deposits | 89.98% |
| Loans and leases to core deposits | 107.34% |
| Core deposits to total deposits | 84.77% |
| Brokered deposits to total deposits | 0.00% |
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 | 77.68% | 89.23% | $0 | $0 |
| Q4 2023 | 79.74% | 88.81% | $0 | $0 |
| Q1 2024 | 83.21% | 87.78% | $0 | $0 |
| Q2 2024 | 86.97% | 87.16% | $0 | $0 |
| Q3 2024 | 87.07% | 86.61% | $0 | $0 |
| Q4 2024 | 86.27% | 86.39% | $0 | $0 |
| Q1 2025 | 85.06% | 86.09% | $0 | $0 |
| Q2 2025 | 89.33% | 85.38% | $0 | $0 |
| Q3 2025 | 86.14% | 85.50% | $0 | $0 |
| Q4 2025 | 86.30% | 85.65% | $0 | $0 |
| Q1 2026 | 86.42% | 85.72% | $0 | $0 |
| Q2 2026 | 90.99% | 84.77% | $0 | $0 |
Community Bank of Pickens County 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 Pickens County, 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 Pickens County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35513) · FFIEC NIC profile (RSSD 2943615)