FNB South: 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 Fed funds sold and reverse repos: 43.0% lower than in Q1 2026, at $3.1M. Within Georgia, FNB South is 53rd of 122 on loan-to-deposit ratio, 81.50% as of Q2 2026. At 81.50%, FNB South's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $62.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $196.4M |
| Fed funds sold and reverse repos | $3.1M |
| Fed funds sold and reverse repos to assets | 0.42% |
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 | 81.50% |
| Net loans and leases to deposits | 78.91% |
| Loans and leases to core deposits | 90.38% |
| Core deposits to total deposits | 90.17% |
| 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 | 81.20% | 92.63% | $0 | $0 |
| Q4 2023 | 79.98% | 92.45% | $0 | $0 |
| Q1 2024 | 82.32% | 92.67% | $0 | $0 |
| Q2 2024 | 83.76% | 92.10% | $0 | $0 |
| Q3 2024 | 83.75% | 91.28% | $0 | $0 |
| Q4 2024 | 73.33% | 90.64% | $0 | $0 |
| Q1 2025 | 72.73% | 89.66% | $0 | $0 |
| Q2 2025 | 76.86% | 89.56% | $0 | $0 |
| Q3 2025 | 77.68% | 89.62% | $0 | $0 |
| Q4 2025 | 78.08% | 88.79% | $0 | $0 |
| Q1 2026 | 80.34% | 89.10% | $0 | $0 |
| Q2 2026 | 81.50% | 90.17% | $0 | $0 |
FNB South liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB South, 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 FNB South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17011) · FFIEC NIC profile (RSSD 12030)