First Palmetto 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.
Net loans and leases to deposits dropped 1.46 percentage points in Q2 2026, from 80.39% to 78.93%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, First Palmetto Bank is 21st of 44 on loan-to-deposit ratio, 80.17% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Palmetto Bank sits 8.04 points lower, at 80.17% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $157.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $278.3M |
| 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 | 80.17% |
| Net loans and leases to deposits | 78.93% |
| Loans and leases to core deposits | 90.72% |
| Core deposits to total deposits | 88.37% |
| 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 | 81.50% | 90.79% | $0 | $0 |
| Q4 2023 | 83.64% | 90.32% | $0 | $0 |
| Q1 2024 | 83.85% | 89.77% | $0 | $0 |
| Q2 2024 | 80.45% | 89.65% | $0 | $0 |
| Q3 2024 | 79.35% | 89.26% | $0 | $0 |
| Q4 2024 | 81.84% | 88.91% | $0 | $0 |
| Q1 2025 | 81.27% | 89.42% | $0 | $0 |
| Q2 2025 | 82.14% | 88.83% | $0 | $0 |
| Q3 2025 | 81.52% | 88.83% | $0 | $0 |
| Q4 2025 | 81.41% | 88.79% | $0 | $0 |
| Q1 2026 | 81.62% | 88.87% | $0 | $0 |
| Q2 2026 | 80.17% | 88.37% | $0 | $0 |
First Palmetto Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Palmetto 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 Palmetto Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28396) · FFIEC NIC profile (RSSD 586072)