First City Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, First City Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $41.5M in Q3 2026. That is 71.2% of its total assets.
The standout move of Q3 2026 was in Loan-to-deposit ratio: 625.81 percentage points lower than in Q2 2026, at 43.00%. First City Bank has the 10th lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 43.00% as of Q3 2026. The median for banks in the < $100M asset tier is 68.95% on loan-to-deposit ratio. First City Bank sits 25.94 points lower, at 43.00% (Q3 2026).
Liquid assets
Fed funds sold and reverse repos to assets changed the most here, down 23.10 points to 15.04% in Q3 2026 from 38.14% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.5M |
| Fed funds sold and reverse repos | $8.8M |
| Fed funds sold and reverse repos to assets | 15.04% |
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Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 43.00% |
| Net loans and leases to deposits | 42.47% |
| Loans and leases to core deposits | 45.59% |
| Core deposits to total deposits | 79.58% |
| Brokered deposits to total deposits | 14.76% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q2 2026 | 668.81% | 100.00% | $0 | $0 |
| Q3 2026 | 43.00% | 79.58% | $0 | $0 |
First City Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First City Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 16281) · FFIEC NIC profile (RSSD 6125996)