The Security 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 6.80 percentage points lower than in Q1 2026, at 58.09%. The Security State Bank ranks 107th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 54.26% (Q2 2026). The Security State Bank reported 54.26% on loan-to-deposit ratio for Q2 2026, 13.07 points below the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.9M |
| 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 | $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 | 54.26% |
| Net loans and leases to deposits | 52.89% |
| Loans and leases to core deposits | 58.09% |
| Core deposits to total deposits | 93.41% |
| Brokered deposits to total deposits | 0.00% |
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 | 74.96% | 95.66% | $0 | $0 |
| Q4 2023 | 79.93% | 95.52% | $0 | $0 |
| Q1 2024 | 73.23% | 89.50% | $0 | $0 |
| Q2 2024 | 72.33% | 88.97% | $0 | $0 |
| Q3 2024 | 79.54% | 88.19% | $0 | $0 |
| Q4 2024 | 67.66% | 90.09% | $0 | $0 |
| Q1 2025 | 69.38% | 93.71% | $0 | $0 |
| Q2 2025 | 66.63% | 93.20% | $0 | $0 |
| Q3 2025 | 65.45% | 91.77% | $0 | $0 |
| Q4 2025 | 66.18% | 92.02% | $0 | $0 |
| Q1 2026 | 60.65% | 93.47% | $0 | $0 |
| Q2 2026 | 54.26% | 93.41% | $0 | $0 |
The Security State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Security 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 The Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19680) · FFIEC NIC profile (RSSD 598132)