Phenix-Girard 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 21.6% in Q2 2026, from $33.3M to $26.1M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Phenix-Girard Bank is 2nd from the bottom among 93 Alabama banks, 25.44% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Phenix-Girard Bank reported 25.44% on loan-to-deposit ratio in Q2 2026, 55.40 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $249.2M |
| 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 | $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 | 25.44% |
| Net loans and leases to deposits | 25.10% |
| Loans and leases to core deposits | 25.50% |
| Core deposits to total deposits | 99.76% |
| 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 | 30.01% | 99.54% | $0 | $0 |
| Q4 2023 | 28.59% | 99.66% | $0 | $0 |
| Q1 2024 | 28.04% | 99.55% | $0 | $0 |
| Q2 2024 | 29.78% | 99.54% | $0 | $0 |
| Q3 2024 | 26.98% | 99.55% | $0 | $0 |
| Q4 2024 | 25.41% | 99.58% | $0 | $0 |
| Q1 2025 | 26.20% | 99.83% | $0 | $0 |
| Q2 2025 | 26.47% | 99.83% | $0 | $0 |
| Q3 2025 | 26.93% | 99.82% | $0 | $0 |
| Q4 2025 | 25.06% | 99.83% | $0 | $0 |
| Q1 2026 | 24.37% | 99.83% | $0 | $0 |
| Q2 2026 | 25.44% | 99.76% | $0 | $0 |
Phenix-Girard Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Phenix-Girard 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 Phenix-Girard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 41) · FFIEC NIC profile (RSSD 432432)