Legacy State 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.
Cash and balances due from depository institutions dropped 58.7% in Q2 2026, from $17.9M to $7.4M. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Legacy State Bank is 37th of 122 on loan-to-deposit ratio, 86.22% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Legacy State Bank sits 5.38 points higher, at 86.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.8M |
| 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 | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.22% |
| Net loans and leases to deposits | 85.22% |
| Loans and leases to core deposits | 98.98% |
| Core deposits to total deposits | 87.11% |
| 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 | 77.85% | 92.61% | $0 | $6.0M |
| Q4 2023 | 80.87% | 92.39% | $0 | $6.0M |
| Q1 2024 | 75.51% | 91.84% | $0 | $6.0M |
| Q2 2024 | 81.50% | 91.91% | $0 | $6.0M |
| Q3 2024 | 79.48% | 90.65% | $0 | $6.0M |
| Q4 2024 | 81.15% | 90.58% | $0 | $6.0M |
| Q1 2025 | 80.09% | 89.37% | $0 | $6.0M |
| Q2 2025 | 83.31% | 90.88% | $0 | $4.0M |
| Q3 2025 | 82.73% | 89.72% | $0 | $4.0M |
| Q4 2025 | 81.59% | 86.75% | $0 | $4.0M |
| Q1 2026 | 81.92% | 86.74% | $0 | $4.0M |
| Q2 2026 | 86.22% | 87.11% | $0 | $2.0M |
Legacy State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy State 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 Legacy State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57882) · FFIEC NIC profile (RSSD 3340903)