First National Community 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.
Loans and leases to core deposits dropped 1.47 percentage points in Q2 2026, from 92.19% to 90.72%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, First National Community Bank is 50th of 122 on loan-to-deposit ratio, 82.67% as of Q2 2026, above the middle of the field. At 82.67%, First National Community Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $174.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $195.9M |
| 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 | $673K |
| 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 | 82.67% |
| Net loans and leases to deposits | 81.58% |
| Loans and leases to core deposits | 90.72% |
| Core deposits to total deposits | 91.13% |
| 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 | 89.33% | 90.45% | $872K | $0 |
| Q4 2023 | 84.29% | 91.46% | $1.2M | $0 |
| Q1 2024 | 88.09% | 88.63% | $917K | $0 |
| Q2 2024 | 84.68% | 89.20% | $910K | $0 |
| Q3 2024 | 90.32% | 89.20% | $851K | $0 |
| Q4 2024 | 89.01% | 88.76% | $965K | $0 |
| Q1 2025 | 87.46% | 87.72% | $849K | $0 |
| Q2 2025 | 87.14% | 88.57% | $728K | $0 |
| Q3 2025 | 83.15% | 88.08% | $602K | $0 |
| Q4 2025 | 82.03% | 89.18% | $770K | $0 |
| Q1 2026 | 83.40% | 90.46% | $808K | $0 |
| Q2 2026 | 82.67% | 91.13% | $673K | $0 |
First National Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Community 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 National Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22092) · FFIEC NIC profile (RSSD 450632)