First Southern 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 27.3% higher than in Q1 2026, at $38.9M. First Southern Bank ranks 75th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 72.38% (Q2 2026). First Southern Bank reported 72.38% on loan-to-deposit ratio for Q2 2026, 8.46 points below 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 | $38.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $103.3M |
| 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 | 72.38% |
| Net loans and leases to deposits | 71.74% |
| Loans and leases to core deposits | 78.64% |
| Core deposits to total deposits | 92.03% |
| 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 | 64.34% | 93.55% | $0 | $0 |
| Q4 2023 | 69.21% | 93.98% | $0 | $0 |
| Q1 2024 | 65.45% | 93.93% | $0 | $0 |
| Q2 2024 | 67.63% | 93.90% | $0 | $0 |
| Q3 2024 | 72.37% | 95.07% | $0 | $0 |
| Q4 2024 | 71.55% | 94.57% | $0 | $0 |
| Q1 2025 | 70.11% | 94.62% | $0 | $0 |
| Q2 2025 | 72.21% | 93.82% | $0 | $0 |
| Q3 2025 | 76.75% | 92.54% | $0 | $0 |
| Q4 2025 | 80.22% | 92.52% | $0 | $7.0M |
| Q1 2026 | 73.49% | 92.36% | $0 | $0 |
| Q2 2026 | 72.38% | 92.03% | $0 | $0 |
First Southern Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10055) · FFIEC NIC profile (RSSD 631039)