Exchange 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 Loan-to-deposit ratio: 5.65 percentage points higher than in Q1 2026, at 85.44%. Exchange Bank ranks 39th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 85.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Exchange Bank sits 4.89 points higher, at 85.44% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.0M |
| Fed funds sold and reverse repos | $5.1M |
| Fed funds sold and reverse repos to assets | 1.24% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.44% |
| Net loans and leases to deposits | 84.19% |
| Loans and leases to core deposits | 96.47% |
| Core deposits to total deposits | 88.57% |
| 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 | 63.24% | 95.11% | $0 | $11.5M |
| Q4 2023 | 67.82% | 94.81% | $0 | $19.5M |
| Q1 2024 | 64.97% | 93.95% | $0 | $19.5M |
| Q2 2024 | 70.61% | 93.18% | $0 | $25.0M |
| Q3 2024 | 71.17% | 93.29% | $0 | $25.0M |
| Q4 2024 | 72.63% | 93.59% | $0 | $25.0M |
| Q1 2025 | 74.04% | 94.10% | $0 | $32.0M |
| Q2 2025 | 73.35% | 89.21% | $0 | $21.0M |
| Q3 2025 | 76.06% | 88.69% | $4.8M | $21.0M |
| Q4 2025 | 78.59% | 88.67% | $1.4M | $31.0M |
| Q1 2026 | 79.79% | 87.05% | $0 | $10.5M |
| Q2 2026 | 85.44% | 88.57% | $0 | $10.5M |
Exchange Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 160) · FFIEC NIC profile (RSSD 613839)