First State Bank of Randolph County: 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 climbed 3.95 percentage points in Q2 2026, from 35.72% to 39.68%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First State Bank of Randolph County is 5th from the bottom among 122 Georgia banks, 36.30% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First State Bank of Randolph County sits 31.33 points lower, at 36.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $53.8M |
| Fed funds sold and reverse repos | $11.5M |
| Fed funds sold and reverse repos to assets | 13.24% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $828K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 36.30% |
| Net loans and leases to deposits | 35.92% |
| Loans and leases to core deposits | 39.68% |
| Core deposits to total deposits | 91.48% |
| 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 | 38.34% | 94.25% | $0 | $5K |
| Q4 2023 | 35.19% | 94.12% | $0 | $0 |
| Q1 2024 | 36.13% | 93.75% | $0 | $0 |
| Q2 2024 | 37.23% | 93.54% | $0 | $0 |
| Q3 2024 | 37.88% | 92.71% | $0 | $0 |
| Q4 2024 | 34.33% | 92.83% | $0 | $0 |
| Q1 2025 | 36.21% | 93.06% | $0 | $0 |
| Q2 2025 | 34.57% | 93.08% | $0 | $0 |
| Q3 2025 | 36.61% | 91.70% | $0 | $0 |
| Q4 2025 | 33.96% | 91.42% | $0 | $0 |
| Q1 2026 | 32.85% | 91.96% | $0 | $0 |
| Q2 2026 | 36.30% | 91.48% | $0 | $828K |
First State Bank of Randolph County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Randolph County, 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 State Bank of Randolph County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2157) · FFIEC NIC profile (RSSD 140634)