First Bank of Coastal Georgia: 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.
Brokered deposits to total deposits climbed 6.95 percentage points in Q2 2026, from 5.70% to 12.65%. It was the largest change from Q1 2026 among the key lines here. First Bank of Coastal Georgia has the 6th lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 37.75% as of Q2 2026. First Bank of Coastal Georgia's loan-to-deposit ratio of 37.75% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 43.09 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $138.5M |
| 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 | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 37.75% |
| Net loans and leases to deposits | 37.27% |
| Loans and leases to core deposits | 38.00% |
| Core deposits to total deposits | 86.70% |
| Brokered deposits to total deposits | 12.65% |
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 | 22.57% | 88.06% | $0 | $3.0M |
| Q4 2023 | 22.57% | 93.90% | $0 | $0 |
| Q1 2024 | 26.42% | 93.56% | $0 | $0 |
| Q2 2024 | 25.42% | 94.93% | $0 | $0 |
| Q3 2024 | 26.27% | 89.17% | $4.6M | $15.3M |
| Q4 2024 | 22.36% | 89.49% | $0 | $0 |
| Q1 2025 | 30.78% | 88.80% | $0 | $11.0M |
| Q2 2025 | 29.64% | 84.49% | $0 | $0 |
| Q3 2025 | 32.69% | 81.54% | $210K | $8.4M |
| Q4 2025 | 33.02% | 88.49% | $0 | $10.0M |
| Q1 2026 | 37.70% | 93.60% | $0 | $21.5M |
| Q2 2026 | 37.75% | 86.70% | $0 | $13.0M |
First Bank of Coastal Georgia liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Coastal Georgia, 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 First Bank of Coastal Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15580) · FFIEC NIC profile (RSSD 823638)