First Piedmont Federal Savings and Loan Association: 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.
The standout move of Q2 2026 was in Net loans and leases to deposits: 0.86 percentage points higher than in Q1 2026, at 122.53%. First Piedmont Federal Savings and Loan Association has the highest loan-to-deposit ratio of the 44 banks headquartered in South Carolina, 123.96% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, First Piedmont Federal Savings and Loan Association reported 123.96% on loan-to-deposit ratio in Q2 2026, 43.12 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $67.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.3M |
| 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 | 123.96% |
| Net loans and leases to deposits | 122.53% |
| Loans and leases to core deposits | 124.57% |
| Core deposits to total deposits | 99.51% |
| 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 | 121.86% | 99.37% | $0 | $0 |
| Q4 2023 | 122.37% | 99.48% | $0 | $20.0M |
| Q1 2024 | 124.78% | 99.39% | $0 | $9.1M |
| Q2 2024 | 124.21% | 99.32% | $0 | $0 |
| Q3 2024 | 123.90% | 99.32% | $0 | $0 |
| Q4 2024 | 119.04% | 99.40% | $0 | $0 |
| Q1 2025 | 123.07% | 99.39% | $0 | $0 |
| Q2 2025 | 121.66% | 99.40% | $0 | $0 |
| Q3 2025 | 122.25% | 99.40% | $0 | $0 |
| Q4 2025 | 123.32% | 99.41% | $0 | $0 |
| Q1 2026 | 123.11% | 99.50% | $0 | $0 |
| Q2 2026 | 123.96% | 99.51% | $0 | $0 |
First Piedmont Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Piedmont Federal Savings and Loan Association, 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 Piedmont Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28859) · FFIEC NIC profile (RSSD 646172)