First National Bank of Griffin: 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.
Fed funds sold and reverse repos dropped 43.6% in Q2 2026, from $4.4M to $2.5M. It was the largest change from Q1 2026 among the key lines here. First National Bank of Griffin ranks 100th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 57.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Griffin sits 23.48 points lower, at 57.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $165.8M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 0.68% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $11.9M |
| 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 | 57.36% |
| Net loans and leases to deposits | 56.61% |
| Loans and leases to core deposits | 58.33% |
| Core deposits to total deposits | 98.33% |
| 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 | 33.70% | 98.19% | $13.3M | $0 |
| Q4 2023 | 33.74% | 97.89% | $16.1M | $0 |
| Q1 2024 | 36.28% | 97.74% | $17.1M | $0 |
| Q2 2024 | 40.77% | 97.76% | $15.3M | $0 |
| Q3 2024 | 43.21% | 97.68% | $14.6M | $0 |
| Q4 2024 | 45.87% | 98.03% | $14.6M | $0 |
| Q1 2025 | 44.45% | 98.04% | $13.5M | $0 |
| Q2 2025 | 48.62% | 98.34% | $12.1M | $0 |
| Q3 2025 | 52.94% | 98.32% | $12.5M | $0 |
| Q4 2025 | 56.71% | 98.05% | $14.7M | $0 |
| Q1 2026 | 56.17% | 97.97% | $15.2M | $0 |
| Q2 2026 | 57.36% | 98.33% | $11.9M | $0 |
First National Bank of Griffin 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 Griffin, 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 Griffin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 169) · FFIEC NIC profile (RSSD 563233)