Northeast Georgia 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.42 percentage points higher than in Q1 2026, at 64.09%. Northeast Georgia Bank ranks 94th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 60.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Northeast Georgia Bank sits 20.80 points lower, at 60.04% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $158.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $290.0M |
| Fed funds sold and reverse repos | $54.4M |
| Fed funds sold and reverse repos to assets | 8.37% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.04% |
| Net loans and leases to deposits | 59.10% |
| Loans and leases to core deposits | 64.09% |
| Core deposits to total deposits | 93.67% |
| 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 | 53.91% | 96.44% | $0 | $5.7M |
| Q4 2023 | 51.45% | 95.99% | $0 | $4.7M |
| Q1 2024 | 53.96% | 95.35% | $0 | $6.2M |
| Q2 2024 | 55.42% | 95.30% | $0 | $2.5M |
| Q3 2024 | 55.41% | 94.69% | $0 | $5.7M |
| Q4 2024 | 55.08% | 94.33% | $0 | $7.7M |
| Q1 2025 | 54.81% | 94.01% | $0 | $9.8M |
| Q2 2025 | 57.59% | 93.26% | $0 | $3.7M |
| Q3 2025 | 59.40% | 93.02% | $0 | $9.7M |
| Q4 2025 | 58.15% | 93.78% | $0 | $5.3M |
| Q1 2026 | 57.94% | 93.94% | $0 | $4.3M |
| Q2 2026 | 60.04% | 93.67% | $0 | $3.3M |
Northeast Georgia Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast Georgia 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 Northeast Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15771) · FFIEC NIC profile (RSSD 888833)