First Century Bank, N.A.: 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 Net loans and leases to deposits: 3.52 percentage points lower than in Q1 2026, at 20.26%. First Century Bank, N.A. has the 2nd lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 20.34% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, First Century Bank, N.A. reported 20.34% on loan-to-deposit ratio in Q2 2026, 60.50 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $158.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $667.9M |
| 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 | $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 | 20.34% |
| Net loans and leases to deposits | 20.26% |
| Loans and leases to core deposits | 20.35% |
| Core deposits to total deposits | 99.96% |
| 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 | 7.39% | 99.92% | $0 | $0 |
| Q4 2023 | 6.51% | 61.78% | $0 | $0 |
| Q1 2024 | 12.13% | 99.44% | $0 | $0 |
| Q2 2024 | 9.81% | 99.37% | $0 | $0 |
| Q3 2024 | 14.53% | 99.32% | $0 | $0 |
| Q4 2024 | 9.44% | 99.63% | $0 | $0 |
| Q1 2025 | 9.94% | 99.63% | $0 | $0 |
| Q2 2025 | 15.74% | 99.63% | $0 | $0 |
| Q3 2025 | 19.04% | 99.64% | $0 | $0 |
| Q4 2025 | 31.06% | 76.33% | $0 | $0 |
| Q1 2026 | 23.86% | 99.96% | $0 | $0 |
| Q2 2026 | 20.34% | 99.96% | $0 | $0 |
First Century Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Century Bank, N.A., 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 Century Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57123) · FFIEC NIC profile (RSSD 2997748)