The First National Bank of Waynesboro: 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 4.21 percentage points in Q2 2026, from 85.66% to 89.87%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Waynesboro ranks 45th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 83.75% (Q2 2026). The First National Bank of Waynesboro reported 83.75% on loan-to-deposit ratio for Q2 2026, 2.92 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 | $44.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.2M |
| 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 | 83.75% |
| Net loans and leases to deposits | 82.65% |
| Loans and leases to core deposits | 89.87% |
| Core deposits to total deposits | 93.19% |
| 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 | 74.85% | 92.09% | $0 | $0 |
| Q4 2023 | 71.80% | 92.47% | $0 | $0 |
| Q1 2024 | 73.11% | 93.69% | $0 | $0 |
| Q2 2024 | 77.08% | 93.58% | $0 | $0 |
| Q3 2024 | 81.18% | 93.14% | $0 | $0 |
| Q4 2024 | 75.09% | 93.52% | $0 | $0 |
| Q1 2025 | 73.42% | 94.68% | $0 | $0 |
| Q2 2025 | 78.28% | 94.56% | $0 | $0 |
| Q3 2025 | 81.27% | 94.09% | $0 | $0 |
| Q4 2025 | 79.55% | 94.12% | $0 | $0 |
| Q1 2026 | 80.27% | 93.71% | $0 | $0 |
| Q2 2026 | 83.75% | 93.19% | $0 | $0 |
The First National Bank of Waynesboro liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Waynesboro, 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 The First National Bank of Waynesboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2160) · FFIEC NIC profile (RSSD 31134)