First Reliance 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.
Loan-to-deposit ratio climbed 3.22 percentage points in Q2 2026, from 87.76% to 90.98%. It was the largest change from Q1 2026 among the key lines here. First Reliance Bank ranks 10th of 44 South Carolina banks on loan-to-deposit ratio, in the upper half at 90.98% (Q2 2026). First Reliance Bank reported 90.98% on loan-to-deposit ratio for Q2 2026, 2.78 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $216.6M |
| 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 | $75.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.66% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.98% |
| Net loans and leases to deposits | 89.96% |
| Loans and leases to core deposits | 95.53% |
| Core deposits to total deposits | 88.54% |
| Brokered deposits to total deposits | 9.67% |
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 | 83.77% | 90.17% | $81K | $25.0M |
| Q4 2023 | 82.70% | 89.35% | $308K | $5.0M |
| Q1 2024 | 84.08% | 88.54% | $0 | $35.0M |
| Q2 2024 | 84.61% | 88.61% | $408K | $40.0M |
| Q3 2024 | 79.30% | 89.19% | $0 | $0 |
| Q4 2024 | 81.02% | 91.06% | $0 | $0 |
| Q1 2025 | 82.04% | 90.73% | $0 | $0 |
| Q2 2025 | 84.06% | 90.18% | $207K | $32.5M |
| Q3 2025 | 82.53% | 88.51% | $0 | $15.0M |
| Q4 2025 | 83.40% | 90.91% | $0 | $20.0M |
| Q1 2026 | 87.76% | 89.31% | $0 | $60.0M |
| Q2 2026 | 90.98% | 88.54% | $0 | $75.0M |
First Reliance Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Reliance 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 Reliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35214) · FFIEC NIC profile (RSSD 2839790)