Primesouth 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 Other borrowed money: 58.3% higher than in Q1 2026, at $95.0M. Among 122 Georgia banks, Primesouth Bank sits 10th from the top on loan-to-deposit ratio, 99.40% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Primesouth Bank sits 11.20 points higher, at 99.40% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $140.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $261.9M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $95.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.40% |
| Net loans and leases to deposits | 97.97% |
| Loans and leases to core deposits | 105.25% |
| Core deposits to total deposits | 93.22% |
| Brokered deposits to total deposits | 6.89% |
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 | 92.58% | 93.64% | $0 | $49.0M |
| Q4 2023 | 90.29% | 94.22% | $0 | $16.0M |
| Q1 2024 | 90.72% | 94.50% | $0 | $27.0M |
| Q2 2024 | 92.24% | 94.27% | $0 | $52.0M |
| Q3 2024 | 94.08% | 94.34% | $0 | $74.0M |
| Q4 2024 | 93.09% | 94.09% | $0 | $25.0M |
| Q1 2025 | 92.79% | 93.51% | $0 | $25.0M |
| Q2 2025 | 92.48% | 93.30% | $0 | $30.0M |
| Q3 2025 | 95.56% | 93.50% | $0 | $55.0M |
| Q4 2025 | 96.30% | 93.76% | $0 | $41.0M |
| Q1 2026 | 96.59% | 93.88% | $0 | $60.0M |
| Q2 2026 | 99.40% | 93.22% | $0 | $95.0M |
Primesouth Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Primesouth 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 Primesouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5694) · FFIEC NIC profile (RSSD 1011638)