Countybank: 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 Loan-to-deposit ratio: 3.66 percentage points higher than in Q1 2026, at 65.98%. Within South Carolina, Countybank is 31st of 44 on loan-to-deposit ratio, 65.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Countybank sits 14.58 points lower, at 65.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $59.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $288.9M |
| 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 | $49.2M |
| 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 | 65.98% |
| Net loans and leases to deposits | 65.43% |
| Loans and leases to core deposits | 66.04% |
| Core deposits to total deposits | 99.90% |
| 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 | 69.55% | 99.80% | $47.6M | $45.7M |
| Q4 2023 | 71.36% | 99.79% | $33.6M | $56.7M |
| Q1 2024 | 72.47% | 99.79% | $26.5M | $60.9M |
| Q2 2024 | 73.50% | 99.79% | $38.7M | $40.9M |
| Q3 2024 | 71.58% | 99.90% | $39.7M | $40.9M |
| Q4 2024 | 66.67% | 99.90% | $44.3M | $5.0M |
| Q1 2025 | 64.00% | 99.91% | $38.8M | $0 |
| Q2 2025 | 66.19% | 99.90% | $43.7M | $0 |
| Q3 2025 | 63.07% | 99.85% | $40.5M | $0 |
| Q4 2025 | 62.51% | 99.77% | $32.1M | $0 |
| Q1 2026 | 62.32% | 99.85% | $48.6M | $0 |
| Q2 2026 | 65.98% | 99.90% | $49.2M | $0 |
Countybank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Countybank, 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 Countybank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9155) · FFIEC NIC profile (RSSD 271529)