The Conway 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.
Cash and balances due from depository institutions climbed 21.7% in Q2 2026, from $166.7M to $202.8M. It was the largest change from Q1 2026 among the key lines here. The Conway National Bank ranks 37th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 51.86% (Q2 2026). The Conway National Bank reported 51.86% on loan-to-deposit ratio for Q2 2026, 36.34 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $202.8M |
| Cash and noninterest-bearing balances to assets | 10.15% |
| Cash and securities | $1.09B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $116.4M |
| 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 | 51.86% |
| Net loans and leases to deposits | 51.29% |
| Loans and leases to core deposits | 59.35% |
| Core deposits to total deposits | 87.38% |
| 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 | 45.08% | 90.56% | $97.3M | $0 |
| Q4 2023 | 47.95% | 89.59% | $125.8M | $0 |
| Q1 2024 | 49.39% | 89.08% | $96.0M | $0 |
| Q2 2024 | 50.89% | 88.39% | $106.5M | $0 |
| Q3 2024 | 50.70% | 87.49% | $100.5M | $0 |
| Q4 2024 | 51.33% | 86.92% | $93.8M | $0 |
| Q1 2025 | 51.60% | 86.66% | $99.0M | $0 |
| Q2 2025 | 51.81% | 87.68% | $94.3M | $0 |
| Q3 2025 | 51.41% | 87.71% | $85.6M | $0 |
| Q4 2025 | 51.52% | 87.15% | $127.8M | $0 |
| Q1 2026 | 52.85% | 87.09% | $116.6M | $0 |
| Q2 2026 | 51.86% | 87.38% | $116.4M | $0 |
The Conway National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Conway 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 The Conway National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2102) · FFIEC NIC profile (RSSD 631422)