First Cahawba 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.
Fed funds sold and reverse repos climbed 72.9% in Q2 2026, from $8.9M to $15.4M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, First Cahawba Bank is 25th of 93 on loan-to-deposit ratio, 79.49% as of Q2 2026. At 79.49%, First Cahawba Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $50.0M |
| Fed funds sold and reverse repos | $15.4M |
| Fed funds sold and reverse repos to assets | 7.50% |
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 | 79.49% |
| Net loans and leases to deposits | 78.66% |
| Loans and leases to core deposits | 87.86% |
| Core deposits to total deposits | 90.47% |
| 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 | 61.89% | 91.51% | $0 | $0 |
| Q4 2023 | 68.88% | 91.89% | $0 | $0 |
| Q1 2024 | 72.04% | 91.27% | $0 | $0 |
| Q2 2024 | 71.26% | 90.98% | $0 | $0 |
| Q3 2024 | 73.58% | 91.77% | $0 | $0 |
| Q4 2024 | 74.37% | 90.78% | $0 | $0 |
| Q1 2025 | 69.07% | 90.43% | $0 | $0 |
| Q2 2025 | 68.61% | 90.63% | $0 | $0 |
| Q3 2025 | 72.23% | 89.78% | $0 | $0 |
| Q4 2025 | 76.97% | 89.14% | $0 | $0 |
| Q1 2026 | 78.52% | 89.18% | $0 | $0 |
| Q2 2026 | 79.49% | 90.47% | $0 | $0 |
First Cahawba Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Cahawba 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 First Cahawba Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58636) · FFIEC NIC profile (RSSD 3633016)