Loyal Trust 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.
Loans and leases to core deposits climbed 4.63 percentage points in Q2 2026, from 115.84% to 120.47%. It was the largest change from Q1 2026 among the key lines here. Loyal Trust Bank ranks 14th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 95.83% (Q2 2026). Loyal Trust Bank reported 95.83% on loan-to-deposit ratio for Q2 2026, 14.99 points above 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 | $39.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.5M |
| Fed funds sold and reverse repos | $416K |
| Fed funds sold and reverse repos to assets | 0.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.83% |
| Net loans and leases to deposits | 94.77% |
| Loans and leases to core deposits | 120.47% |
| Core deposits to total deposits | 65.20% |
| Brokered deposits to total deposits | 14.34% |
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 | 106.09% | 57.62% | $0 | $19.1M |
| Q4 2023 | 88.45% | 58.63% | $0 | $39.0M |
| Q1 2024 | 89.18% | 62.22% | $0 | $38.7M |
| Q2 2024 | 92.00% | 61.47% | $0 | $38.3M |
| Q3 2024 | 93.40% | 65.25% | $0 | $37.8M |
| Q4 2024 | 100.73% | 58.36% | $0 | $30.0M |
| Q1 2025 | 92.82% | 59.67% | $0 | $30.0M |
| Q2 2025 | 94.61% | 60.41% | $0 | $30.0M |
| Q3 2025 | 87.72% | 64.95% | $0 | $30.0M |
| Q4 2025 | 86.45% | 67.63% | $0 | $30.0M |
| Q1 2026 | 92.73% | 65.60% | $0 | $30.0M |
| Q2 2026 | 95.83% | 65.20% | $0 | $30.0M |
Loyal Trust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Loyal Trust 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 Loyal Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59182) · FFIEC NIC profile (RSSD 5427684)