First Colony Bank of Florida: 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.
Loans and leases to core deposits climbed 5.28 percentage points in Q2 2026, from 75.64% to 80.92%. It was the largest change from Q1 2026 among the key lines here. Within Florida, First Colony Bank of Florida is 40th of 81 on loan-to-deposit ratio, 76.70% as of Q2 2026, above the middle of the field. First Colony Bank of Florida reported 76.70% on loan-to-deposit ratio for Q2 2026, 4.14 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $90.7M |
| 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 | 76.70% |
| Net loans and leases to deposits | 75.46% |
| Loans and leases to core deposits | 80.92% |
| Core deposits to total deposits | 73.90% |
| Brokered deposits to total deposits | 20.88% |
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 | 68.85% | 89.97% | $0 | $0 |
| Q4 2023 | 71.40% | 91.38% | $0 | $0 |
| Q1 2024 | 60.26% | 91.52% | $0 | $0 |
| Q2 2024 | 67.26% | 94.11% | $0 | $0 |
| Q3 2024 | 68.34% | 95.94% | $0 | $0 |
| Q4 2024 | 69.63% | 96.78% | $0 | $0 |
| Q1 2025 | 75.24% | 96.59% | $0 | $0 |
| Q2 2025 | 74.70% | 80.52% | $0 | $0 |
| Q3 2025 | 73.24% | 83.20% | $0 | $0 |
| Q4 2025 | 73.72% | 75.08% | $0 | $0 |
| Q1 2026 | 71.92% | 78.23% | $0 | $0 |
| Q2 2026 | 76.70% | 73.90% | $0 | $0 |
First Colony Bank of Florida liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Colony Bank of Florida, 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 Colony Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58644) · FFIEC NIC profile (RSSD 3688548)