Security Federal 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.
Fed funds purchased and repos dropped 40.7% in Q2 2026, from $27.2M to $16.1M. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Security Federal Bank is 38th of 44 on loan-to-deposit ratio, 50.78% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Security Federal Bank sits 37.42 points lower, at 50.78% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $73.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $772.8M |
| 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 | $16.1M |
| 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 | 50.78% |
| Net loans and leases to deposits | 49.78% |
| Loans and leases to core deposits | 54.64% |
| Core deposits to total deposits | 92.87% |
| Brokered deposits to total deposits | 0.07% |
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 | 50.29% | 94.58% | $19.0M | $69.2M |
| Q4 2023 | 51.99% | 94.94% | $19.2M | $119.2M |
| Q1 2024 | 53.48% | 94.83% | $19.5M | $74.2M |
| Q2 2024 | 53.01% | 94.67% | $22.0M | $65.0M |
| Q3 2024 | 54.69% | 92.45% | $24.3M | $65.0M |
| Q4 2024 | 52.78% | 92.36% | $27.8M | $50.0M |
| Q1 2025 | 52.18% | 92.14% | $24.2M | $0 |
| Q2 2025 | 50.67% | 91.97% | $24.4M | $0 |
| Q3 2025 | 50.36% | 91.85% | $23.9M | $0 |
| Q4 2025 | 50.24% | 93.28% | $25.3M | $0 |
| Q1 2026 | 49.45% | 93.29% | $27.2M | $0 |
| Q2 2026 | 50.78% | 92.87% | $16.1M | $0 |
Security Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Federal 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 Security Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31100) · FFIEC NIC profile (RSSD 763677)