Pineland 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.
Other borrowed money dropped 100.0% in Q2 2026, from $2.6M to $0. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Pineland Bank is 60th of 122 on loan-to-deposit ratio, 79.55% 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; Pineland Bank reported 79.55% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $101.3M |
| Cash and noninterest-bearing balances to assets | 12.12% |
| Cash and securities | $159.9M |
| Fed funds sold and reverse repos | $29.0M |
| Fed funds sold and reverse repos to assets | 4.85% |
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 | 79.55% |
| Net loans and leases to deposits | 78.17% |
| Loans and leases to core deposits | 85.94% |
| Core deposits to total deposits | 92.57% |
| 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 | 80.80% | 93.47% | $0 | $0 |
| Q4 2023 | 83.51% | 90.14% | $0 | $0 |
| Q1 2024 | 83.56% | 92.69% | $0 | $0 |
| Q2 2024 | 81.14% | 92.33% | $0 | $0 |
| Q3 2024 | 83.11% | 92.10% | $0 | $0 |
| Q4 2024 | 79.01% | 92.21% | $0 | $0 |
| Q1 2025 | 79.20% | 91.41% | $0 | $0 |
| Q2 2025 | 77.24% | 90.72% | $0 | $0 |
| Q3 2025 | 82.05% | 90.76% | $0 | $0 |
| Q4 2025 | 79.61% | 91.41% | $0 | $0 |
| Q1 2026 | 82.51% | 91.95% | $0 | $2.6M |
| Q2 2026 | 79.55% | 92.57% | $0 | $0 |
Pineland Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pineland 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 Pineland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15699) · FFIEC NIC profile (RSSD 6039)