Promiseone 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: 6.83 percentage points higher than in Q1 2026, at 114.53%. Promiseone Bank ranks 43rd of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 84.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Promiseone Bank sits 3.71 points higher, at 84.54% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $129.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $182.0M |
| 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 | 84.54% |
| Net loans and leases to deposits | 83.73% |
| Loans and leases to core deposits | 114.53% |
| Core deposits to total deposits | 72.76% |
| Brokered deposits to total deposits | 1.06% |
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 | 91.58% | 67.80% | $0 | $45.0M |
| Q4 2023 | 90.49% | 67.38% | $0 | $40.0M |
| Q1 2024 | 90.86% | 68.79% | $0 | $40.0M |
| Q2 2024 | 93.79% | 68.31% | $0 | $40.0M |
| Q3 2024 | 91.41% | 69.64% | $0 | $15.0M |
| Q4 2024 | 79.12% | 71.51% | $0 | $0 |
| Q1 2025 | 83.79% | 71.97% | $0 | $0 |
| Q2 2025 | 81.62% | 72.75% | $0 | $0 |
| Q3 2025 | 82.20% | 71.44% | $0 | $0 |
| Q4 2025 | 80.70% | 71.46% | $0 | $0 |
| Q1 2026 | 79.90% | 73.17% | $0 | $0 |
| Q2 2026 | 84.54% | 72.76% | $0 | $0 |
Promiseone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Promiseone 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 Promiseone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58657) · FFIEC NIC profile (RSSD 3832127)