First Jackson 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 Fed funds sold and reverse repos: 57.1% higher than in Q1 2026, at $31.5M. Within Alabama, First Jackson Bank is 19th of 93 on loan-to-deposit ratio, 85.68% as of Q2 2026. First Jackson Bank reported 85.68% on loan-to-deposit ratio for Q2 2026, 5.13 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $113.7M |
| Fed funds sold and reverse repos | $31.5M |
| Fed funds sold and reverse repos to assets | 7.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $18.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.68% |
| Net loans and leases to deposits | 84.75% |
| Loans and leases to core deposits | 115.75% |
| Core deposits to total deposits | 69.28% |
| Brokered deposits to total deposits | 4.74% |
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 | 91.30% | 71.26% | $3.2M | $21.0M |
| Q4 2023 | 90.27% | 71.02% | $0 | $21.0M |
| Q1 2024 | 89.89% | 68.43% | $4.0M | $26.0M |
| Q2 2024 | 89.99% | 69.97% | $0 | $26.0M |
| Q3 2024 | 88.04% | 74.35% | $0 | $26.0M |
| Q4 2024 | 85.79% | 74.44% | $0 | $26.0M |
| Q1 2025 | 84.15% | 73.37% | $6.0M | $16.0M |
| Q2 2025 | 86.36% | 69.39% | $6.0M | $19.0M |
| Q3 2025 | 88.79% | 70.56% | $0 | $26.0M |
| Q4 2025 | 89.44% | 71.66% | $10.5M | $18.0M |
| Q1 2026 | 89.06% | 68.95% | $0 | $18.0M |
| Q2 2026 | 85.68% | 69.28% | $0 | $18.0M |
First Jackson Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Jackson 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 Jackson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23376) · FFIEC NIC profile (RSSD 248633)