Queensborough National Bank & Trust Company: 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: 4.46 percentage points higher than in Q1 2026, at 71.09%. Within Georgia, Queensborough National Bank & Trust Company is 81st of 122 on loan-to-deposit ratio, 68.32% as of Q2 2026, below the middle of the field. Queensborough National Bank & Trust Company reported 68.32% on loan-to-deposit ratio for Q2 2026, 19.88 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $168.5M |
| Cash and noninterest-bearing balances to assets | 7.39% |
| Cash and securities | $770.9M |
| 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 | $21.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.32% |
| Net loans and leases to deposits | 67.64% |
| Loans and leases to core deposits | 71.09% |
| Core deposits to total deposits | 95.21% |
| Brokered deposits to total deposits | 0.89% |
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 | 65.29% | 94.92% | $0 | $10.0M |
| Q4 2023 | 63.30% | 94.16% | $0 | $60.0M |
| Q1 2024 | 61.20% | 94.03% | $0 | $60.0M |
| Q2 2024 | 63.84% | 92.93% | $0 | $55.0M |
| Q3 2024 | 64.26% | 92.89% | $0 | $5.0M |
| Q4 2024 | 61.34% | 93.46% | $0 | $5.0M |
| Q1 2025 | 61.08% | 94.55% | $0 | $5.0M |
| Q2 2025 | 65.77% | 94.02% | $0 | $31.0M |
| Q3 2025 | 66.60% | 94.03% | $0 | $31.0M |
| Q4 2025 | 66.73% | 94.92% | $0 | $31.0M |
| Q1 2026 | 64.14% | 95.39% | $0 | $31.0M |
| Q2 2026 | 68.32% | 95.21% | $0 | $21.0M |
Queensborough National Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Queensborough National Bank & Trust Company, 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 Queensborough National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2138) · FFIEC NIC profile (RSSD 960935)