Great Oaks 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.
Fed funds sold and reverse repos dropped 88.5% in Q2 2026, from $1.1M to $130K. It was the largest change from Q1 2026 among the key lines here. Great Oaks Bank ranks 70th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 74.33% (Q2 2026). Great Oaks Bank reported 74.33% on loan-to-deposit ratio for Q2 2026, 6.51 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 | $35.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.0M |
| Fed funds sold and reverse repos | $130K |
| Fed funds sold and reverse repos to assets | 0.03% |
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 | 74.33% |
| Net loans and leases to deposits | 73.24% |
| Loans and leases to core deposits | 79.80% |
| Core deposits to total deposits | 93.14% |
| Brokered deposits to total deposits | 4.01% |
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 | 68.39% | 98.68% | $0 | $0 |
| Q4 2023 | 65.91% | 92.60% | $0 | $0 |
| Q1 2024 | 65.06% | 93.11% | $0 | $0 |
| Q2 2024 | 71.17% | 91.68% | $0 | $0 |
| Q3 2024 | 72.13% | 91.42% | $0 | $0 |
| Q4 2024 | 73.41% | 92.37% | $0 | $0 |
| Q1 2025 | 78.94% | 92.51% | $0 | $0 |
| Q2 2025 | 75.15% | 93.17% | $0 | $0 |
| Q3 2025 | 71.77% | 92.83% | $0 | $0 |
| Q4 2025 | 77.93% | 91.82% | $10K | $0 |
| Q1 2026 | 75.78% | 92.20% | $0 | $0 |
| Q2 2026 | 74.33% | 93.14% | $0 | $0 |
Great Oaks Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Oaks 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 Great Oaks Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16780) · FFIEC NIC profile (RSSD 364131)