Covington County 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: 8.05 percentage points higher than in Q1 2026, at 102.65%. Covington County Bank ranks 12th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 86.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Covington County Bank sits 5.88 points higher, at 86.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.1M |
| 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 | $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 | 86.71% |
| Net loans and leases to deposits | 86.15% |
| Loans and leases to core deposits | 102.65% |
| Core deposits to total deposits | 84.48% |
| 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 | 70.81% | 72.86% | $0 | $0 |
| Q4 2023 | 72.33% | 81.82% | $0 | $0 |
| Q1 2024 | 79.56% | 79.98% | $0 | $0 |
| Q2 2024 | 77.88% | 77.81% | $0 | $0 |
| Q3 2024 | 79.39% | 79.05% | $0 | $0 |
| Q4 2024 | 81.81% | 83.48% | $0 | $0 |
| Q1 2025 | 79.70% | 85.64% | $0 | $0 |
| Q2 2025 | 80.27% | 87.68% | $0 | $0 |
| Q3 2025 | 81.89% | 87.89% | $0 | $0 |
| Q4 2025 | 81.91% | 87.73% | $0 | $0 |
| Q1 2026 | 81.48% | 86.13% | $0 | $0 |
| Q2 2026 | 86.71% | 84.48% | $0 | $0 |
Covington County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Covington County 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 Covington County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21998) · FFIEC NIC profile (RSSD 697035)