Rochelle State 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.
Loans and leases to core deposits climbed 9.81 percentage points in Q2 2026, from 89.95% to 99.76%. It was the largest change from Q1 2026 among the key lines here. Rochelle State Bank ranks 33rd of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 86.76% (Q2 2026). Rochelle State Bank reported 86.76% on loan-to-deposit ratio for Q2 2026, 19.43 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.8M |
| 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 | $2.5M |
| 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 | 86.76% |
| Net loans and leases to deposits | 85.89% |
| Loans and leases to core deposits | 99.76% |
| Core deposits to total deposits | 79.22% |
| Brokered deposits to total deposits | 7.75% |
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 | 81.62% | 85.21% | $0 | $0 |
| Q4 2023 | 79.64% | 84.92% | $0 | $0 |
| Q1 2024 | 86.13% | 87.78% | $0 | $5.0M |
| Q2 2024 | 87.06% | 75.62% | $0 | $5.0M |
| Q3 2024 | 91.49% | 80.86% | $0 | $5.0M |
| Q4 2024 | 79.11% | 81.47% | $0 | $5.0M |
| Q1 2025 | 79.74% | 80.09% | $0 | $0 |
| Q2 2025 | 83.59% | 79.49% | $0 | $0 |
| Q3 2025 | 86.33% | 79.70% | $2.5M | $0 |
| Q4 2025 | 77.78% | 80.25% | $0 | $0 |
| Q1 2026 | 78.05% | 78.76% | $0 | $0 |
| Q2 2026 | 86.76% | 79.22% | $2.5M | $0 |
Rochelle State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rochelle State 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 Rochelle State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16609) · FFIEC NIC profile (RSSD 649632)