First Capital 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 Cash and balances due from depository institutions: 61.0% higher than in Q1 2026, at $103.9M. On loan-to-deposit ratio, First Capital Bank ranks 4th highest among the 44 banks headquartered in South Carolina, at 98.36% (Q2 2026). First Capital Bank reported 98.36% on loan-to-deposit ratio for Q2 2026, 10.15 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $103.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $173.4M |
| Fed funds sold and reverse repos | $457K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $74.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.36% |
| Net loans and leases to deposits | 97.35% |
| Loans and leases to core deposits | 109.65% |
| Core deposits to total deposits | 77.26% |
| Brokered deposits to total deposits | 12.44% |
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 | 106.49% | 67.79% | $0 | $66.4M |
| Q4 2023 | 104.51% | 64.75% | $0 | $56.4M |
| Q1 2024 | 104.79% | 63.83% | $0 | $56.4M |
| Q2 2024 | 101.67% | 59.94% | $0 | $52.4M |
| Q3 2024 | 104.31% | 68.18% | $0 | $67.2M |
| Q4 2024 | 106.48% | 65.77% | $0 | $77.2M |
| Q1 2025 | 102.02% | 79.62% | $0 | $77.2M |
| Q2 2025 | 104.32% | 79.96% | $11K | $87.2M |
| Q3 2025 | 101.95% | 79.35% | $0 | $87.0M |
| Q4 2025 | 104.98% | 78.28% | $0 | $78.0M |
| Q1 2026 | 100.99% | 77.33% | $0 | $68.0M |
| Q2 2026 | 98.36% | 77.26% | $0 | $74.0M |
First Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Capital 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34966) · FFIEC NIC profile (RSSD 2849463)