Craft 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: 11.87 percentage points higher than in Q1 2026, at 103.85%. On loan-to-deposit ratio, Craft Bank ranks 6th highest among the 122 banks headquartered in Georgia, at 100.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Craft Bank sits 19.80 points higher, at 100.63% (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 | $41.5M |
| 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 | 100.63% |
| Net loans and leases to deposits | 99.41% |
| Loans and leases to core deposits | 103.85% |
| Core deposits to total deposits | 82.61% |
| Brokered deposits to total deposits | 14.29% |
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 | 96.25% | 83.75% | $0 | $0 |
| Q4 2023 | 91.02% | 80.68% | $0 | $0 |
| Q1 2024 | 96.64% | 71.84% | $0 | $4.4M |
| Q2 2024 | 94.15% | 73.10% | $0 | $2.9M |
| Q3 2024 | 98.00% | 74.25% | $0 | $2.9M |
| Q4 2024 | 92.32% | 76.80% | $0 | $1.9M |
| Q1 2025 | 99.36% | 75.63% | $1K | $0 |
| Q2 2025 | 96.46% | 76.00% | $0 | $0 |
| Q3 2025 | 94.00% | 77.83% | $0 | $0 |
| Q4 2025 | 102.52% | 74.25% | $0 | $0 |
| Q1 2026 | 89.34% | 83.33% | $0 | $0 |
| Q2 2026 | 100.63% | 82.61% | $0 | $0 |
Craft Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Craft 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 Craft Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59209) · FFIEC NIC profile (RSSD 5472880)