Metro City 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 4.38 percentage points in Q2 2026, from 137.27% to 141.65%. It was the largest change from Q1 2026 among the key lines here. Among 122 Georgia banks, Metro City Bank sits 3rd from the top on loan-to-deposit ratio, 112.28% as of Q2 2026. Metro City Bank reported 112.28% on loan-to-deposit ratio for Q2 2026, 24.08 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $262.2M |
| Cash and noninterest-bearing balances to assets | 5.60% |
| Cash and securities | $306.9M |
| Fed funds sold and reverse repos | $12.3M |
| Fed funds sold and reverse repos to assets | 0.28% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $375.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.28% |
| Net loans and leases to deposits | 111.54% |
| Loans and leases to core deposits | 141.65% |
| Core deposits to total deposits | 60.14% |
| Brokered deposits to total deposits | 19.14% |
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 | 110.33% | 56.22% | $0 | $325.0M |
| Q4 2023 | 115.00% | 54.82% | $0 | $325.0M |
| Q1 2024 | 112.19% | 55.16% | $0 | $350.0M |
| Q2 2024 | 111.22% | 54.12% | $0 | $375.0M |
| Q3 2024 | 112.43% | 53.57% | $0 | $375.0M |
| Q4 2024 | 114.45% | 55.18% | $0 | $375.0M |
| Q1 2025 | 114.56% | 56.79% | $0 | $425.0M |
| Q2 2025 | 114.87% | 57.01% | $0 | $425.0M |
| Q3 2025 | 117.26% | 56.66% | $0 | $425.0M |
| Q4 2025 | 110.64% | 58.64% | $0 | $510.0M |
| Q1 2026 | 109.43% | 58.25% | $0 | $425.0M |
| Q2 2026 | 112.28% | 60.14% | $0 | $375.0M |
Metro City Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Metro City 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 Metro City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58181) · FFIEC NIC profile (RSSD 3437456)