First Community 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 Loans and leases to core deposits: 2.75 percentage points higher than in Q1 2026, at 82.67%. Within South Carolina, First Community Bank is 23rd of 44 on loan-to-deposit ratio, 78.31% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Community Bank sits 9.90 points lower, at 78.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $162.2M |
| Cash and noninterest-bearing balances to assets | 6.81% |
| Cash and securities | $669.8M |
| 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 | $96.5M |
| 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 | 78.31% |
| Net loans and leases to deposits | 77.39% |
| Loans and leases to core deposits | 82.67% |
| Core deposits to total deposits | 94.73% |
| 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 | 73.19% | 94.44% | $67.2M | $80.0M |
| Q4 2023 | 75.10% | 93.83% | $62.9M | $90.0M |
| Q1 2024 | 73.26% | 92.42% | $81.8M | $60.0M |
| Q2 2024 | 74.27% | 93.15% | $59.3M | $50.0M |
| Q3 2024 | 72.80% | 93.89% | $70.6M | $50.0M |
| Q4 2024 | 73.20% | 94.08% | $103.1M | $0 |
| Q1 2025 | 72.77% | 94.00% | $129.8M | $0 |
| Q2 2025 | 72.27% | 94.08% | $103.6M | $0 |
| Q3 2025 | 72.50% | 94.55% | $99.6M | $0 |
| Q4 2025 | 75.29% | 94.20% | $107.2M | $0 |
| Q1 2026 | 75.78% | 94.82% | $99.8M | $0 |
| Q2 2026 | 78.31% | 94.73% | $96.5M | $0 |
First Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34047) · FFIEC NIC profile (RSSD 2328137)