First National Bank of South Carolina: 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.
Loan-to-deposit ratio dropped 1.21 percentage points in Q3 2026, from 53.19% to 51.98%. It was the largest change from Q2 2026 among the key lines here. Within South Carolina, First National Bank of South Carolina is 36th of 44 on loan-to-deposit ratio, 51.98% as of Q3 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 South Carolina sits 28.85 points lower, at 51.98% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $67.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $160.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $1.3M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 51.98% |
| Net loans and leases to deposits | 51.30% |
| Loans and leases to core deposits | 55.05% |
| Core deposits to total deposits | 94.42% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 50.21% | 98.39% | $0 | $0 |
| Q1 2024 | 51.62% | 97.76% | $622K | $0 |
| Q2 2024 | 52.63% | 96.78% | $1.1M | $0 |
| Q3 2024 | 53.44% | 96.95% | $1.3M | $0 |
| Q4 2024 | 55.16% | 96.20% | $862K | $0 |
| Q1 2025 | 54.80% | 95.59% | $799K | $0 |
| Q2 2025 | 52.47% | 96.04% | $515K | $0 |
| Q3 2025 | 54.69% | 94.81% | $1.1M | $0 |
| Q4 2025 | 54.20% | 94.41% | $828K | $0 |
| Q1 2026 | 53.52% | 94.43% | $988K | $0 |
| Q2 2026 | 53.19% | 94.57% | $1.3M | $0 |
| Q3 2026 | 51.98% | 94.42% | $1.3M | $0 |
First National Bank of South Carolina 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 South Carolina, 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 South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2107) · FFIEC NIC profile (RSSD 347022)