Douglas 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.
Loan-to-deposit ratio climbed 5.09 percentage points in Q2 2026, from 80.52% to 85.61%. It was the largest change from Q1 2026 among the key lines here. Douglas National Bank ranks 38th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 85.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Douglas National Bank sits 4.77 points higher, at 85.61% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.3M |
| 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 | 85.61% |
| Net loans and leases to deposits | 84.75% |
| Loans and leases to core deposits | 95.59% |
| Core deposits to total deposits | 89.56% |
| 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 | 70.60% | 83.28% | $0 | $0 |
| Q4 2023 | 74.56% | 85.12% | $0 | $0 |
| Q1 2024 | 75.35% | 89.47% | $0 | $0 |
| Q2 2024 | 82.58% | 88.83% | $0 | $10.0M |
| Q3 2024 | 83.51% | 82.44% | $0 | $10.0M |
| Q4 2024 | 66.81% | 83.90% | $0 | $0 |
| Q1 2025 | 74.06% | 81.93% | $0 | $0 |
| Q2 2025 | 75.06% | 87.75% | $0 | $0 |
| Q3 2025 | 82.85% | 89.31% | $0 | $0 |
| Q4 2025 | 81.56% | 89.12% | $0 | $0 |
| Q1 2026 | 80.52% | 88.91% | $0 | $0 |
| Q2 2026 | 85.61% | 89.56% | $0 | $0 |
Douglas National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Douglas 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 Douglas National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57230) · FFIEC NIC profile (RSSD 3049635)