Cullman Savings 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.
Loans and leases to core deposits climbed 6.39 percentage points in Q2 2026, from 150.12% to 156.51%. It was the largest change from Q1 2026 among the key lines here. Among 93 Alabama banks, Cullman Savings Bank sits 2nd from the top on loan-to-deposit ratio, 122.11% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Cullman Savings Bank reported 122.11% on loan-to-deposit ratio in Q2 2026, 41.27 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.9M |
| 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 | $0 |
| Other borrowed money | $57.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.11% |
| Net loans and leases to deposits | 121.19% |
| Loans and leases to core deposits | 156.51% |
| Core deposits to total deposits | 69.59% |
| Brokered deposits to total deposits | 8.43% |
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 | 114.44% | 88.61% | $0 | $37.9M |
| Q4 2023 | 117.40% | 87.63% | $0 | $37.7M |
| Q1 2024 | 119.40% | 83.89% | $0 | $47.7M |
| Q2 2024 | 121.52% | 83.37% | $0 | $47.7M |
| Q3 2024 | 118.92% | 76.38% | $0 | $47.7M |
| Q4 2024 | 119.73% | 76.75% | $0 | $47.5M |
| Q1 2025 | 121.96% | 79.94% | $0 | $47.7M |
| Q2 2025 | 121.87% | 76.53% | $0 | $57.7M |
| Q3 2025 | 121.19% | 75.75% | $0 | $57.7M |
| Q4 2025 | 122.30% | 75.60% | $0 | $47.5M |
| Q1 2026 | 119.97% | 73.21% | $0 | $57.4M |
| Q2 2026 | 122.11% | 69.59% | $0 | $57.4M |
Cullman Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cullman Savings 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 Cullman Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30167) · FFIEC NIC profile (RSSD 934673)