First National Bank of Coffee County: 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 6.08 percentage points in Q2 2026, from 54.35% to 60.43%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, First National Bank of Coffee County is 102nd of 122 on loan-to-deposit ratio, 57.12% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Coffee County sits 23.71 points lower, at 57.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $79.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $249.7M |
| 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 | 57.12% |
| Net loans and leases to deposits | 56.34% |
| Loans and leases to core deposits | 60.43% |
| Core deposits to total deposits | 94.53% |
| 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 | 55.46% | 97.43% | $0 | $0 |
| Q4 2023 | 57.45% | 97.04% | $0 | $0 |
| Q1 2024 | 58.48% | 96.16% | $0 | $0 |
| Q2 2024 | 56.74% | 94.86% | $0 | $0 |
| Q3 2024 | 60.33% | 93.89% | $0 | $0 |
| Q4 2024 | 55.66% | 93.05% | $0 | $0 |
| Q1 2025 | 54.80% | 93.32% | $0 | $0 |
| Q2 2025 | 55.30% | 93.69% | $0 | $0 |
| Q3 2025 | 55.08% | 93.34% | $0 | $0 |
| Q4 2025 | 52.29% | 93.36% | $0 | $0 |
| Q1 2026 | 51.18% | 94.18% | $0 | $0 |
| Q2 2026 | 57.12% | 94.53% | $0 | $0 |
First National Bank of Coffee County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Coffee County, 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 National Bank of Coffee County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33506) · FFIEC NIC profile (RSSD 1892154)