Family 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: 1.59 percentage points higher than in Q1 2026, at 116.54%. Among 122 Georgia banks, Family Bank sits 5th from the top on loan-to-deposit ratio, 103.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Family Bank sits 22.17 points higher, at 103.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $15.9M |
| 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 | $59K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.11% |
| Net loans and leases to deposits | 101.19% |
| Loans and leases to core deposits | 116.54% |
| Core deposits to total deposits | 88.48% |
| 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 | 93.45% | 92.89% | $0 | $169K |
| Q4 2023 | 96.11% | 92.87% | $0 | $4.7M |
| Q1 2024 | 93.12% | 92.31% | $0 | $4.6M |
| Q2 2024 | 95.04% | 91.69% | $0 | $4.6M |
| Q3 2024 | 93.32% | 91.24% | $0 | $4.6M |
| Q4 2024 | 94.85% | 90.93% | $0 | $119K |
| Q1 2025 | 94.34% | 91.30% | $0 | $109K |
| Q2 2025 | 97.25% | 90.54% | $0 | $99K |
| Q3 2025 | 101.89% | 91.33% | $0 | $89K |
| Q4 2025 | 102.39% | 91.14% | $0 | $79K |
| Q1 2026 | 102.79% | 89.43% | $0 | $69K |
| Q2 2026 | 103.11% | 88.48% | $0 | $59K |
Family Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Family 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 Family Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29357) · FFIEC NIC profile (RSSD 156970)