First Federal Savings & Loan Association of Valdosta: 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 1.55 percentage points in Q2 2026, from 131.90% to 133.45%. It was the largest change from Q1 2026 among the key lines here. Among 122 Georgia banks, First Federal Savings & Loan Association of Valdosta sits 2nd from the top on loan-to-deposit ratio, 117.16% as of Q2 2026. First Federal Savings & Loan Association of Valdosta reported 117.16% on loan-to-deposit ratio for Q2 2026, 36.32 points above 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 | $16.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.6M |
| 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 | $31.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 117.16% |
| Net loans and leases to deposits | 116.67% |
| Loans and leases to core deposits | 133.45% |
| Core deposits to total deposits | 87.79% |
| 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 | 117.01% | 89.93% | $0 | $22.0M |
| Q4 2023 | 112.66% | 90.45% | $0 | $14.0M |
| Q1 2024 | 117.73% | 90.04% | $0 | $21.5M |
| Q2 2024 | 115.98% | 89.98% | $0 | $23.0M |
| Q3 2024 | 116.55% | 88.04% | $0 | $23.0M |
| Q4 2024 | 111.16% | 88.64% | $0 | $23.0M |
| Q1 2025 | 108.75% | 88.99% | $0 | $21.0M |
| Q2 2025 | 114.48% | 88.06% | $0 | $21.0M |
| Q3 2025 | 121.59% | 88.08% | $0 | $32.0M |
| Q4 2025 | 121.99% | 87.64% | $0 | $38.0M |
| Q1 2026 | 116.25% | 88.13% | $0 | $32.0M |
| Q2 2026 | 117.16% | 87.79% | $0 | $31.0M |
First Federal Savings & Loan Association of Valdosta liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings & Loan Association of Valdosta, 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 Federal Savings & Loan Association of Valdosta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29164) · FFIEC NIC profile (RSSD 828174)