Dozier 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: 3.30 percentage points lower than in Q1 2026, at 51.92%. Within Alabama, Dozier Bank is 76th of 93 on loan-to-deposit ratio, 49.75% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Dozier Bank sits 17.87 points lower, at 49.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.7M |
| Fed funds sold and reverse repos | $10.5M |
| Fed funds sold and reverse repos to assets | 19.21% |
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 | 49.75% |
| Net loans and leases to deposits | 49.19% |
| Loans and leases to core deposits | 51.92% |
| Core deposits to total deposits | 95.82% |
| 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 | 45.15% | 90.99% | $0 | $0 |
| Q4 2023 | 47.60% | 91.39% | $0 | $0 |
| Q1 2024 | 52.35% | 95.37% | $0 | $0 |
| Q2 2024 | 53.63% | 95.39% | $0 | $0 |
| Q3 2024 | 54.80% | 95.38% | $0 | $0 |
| Q4 2024 | 51.56% | 95.42% | $0 | $0 |
| Q1 2025 | 53.98% | 95.29% | $0 | $0 |
| Q2 2025 | 54.11% | 95.33% | $0 | $0 |
| Q3 2025 | 56.57% | 95.69% | $0 | $0 |
| Q4 2025 | 54.73% | 95.83% | $0 | $0 |
| Q1 2026 | 52.96% | 95.92% | $0 | $0 |
| Q2 2026 | 49.75% | 95.82% | $0 | $0 |
Dozier Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dozier 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 Dozier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2794) · FFIEC NIC profile (RSSD 496434)