South Central 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.
Other borrowed money climbed 169.5% in Q3 2026, from $5.7M to $15.3M. It was the largest change from Q2 2026 among the key lines here. Within Nebraska, South Central State Bank is 44th of 138 on loan-to-deposit ratio, 91.17% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. South Central State Bank sits 10.33 points higher, at 91.17% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 91.17% |
| Net loans and leases to deposits | 90.37% |
| Loans and leases to core deposits | 96.37% |
| Core deposits to total deposits | 88.03% |
| Brokered deposits to total deposits | 6.58% |
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 |
|---|---|---|---|---|
| Q4 2023 | 81.40% | 87.76% | $0 | $19.3M |
| Q1 2024 | 75.00% | 88.35% | $0 | $0 |
| Q2 2024 | 89.54% | 93.61% | $0 | $24.8M |
| Q3 2024 | 93.37% | 93.94% | $0 | $30.8M |
| Q4 2024 | 94.34% | 94.90% | $0 | $33.5M |
| Q1 2025 | 78.63% | 93.47% | $0 | $6.2M |
| Q2 2025 | 81.91% | 93.28% | $0 | $7.8M |
| Q3 2025 | 82.61% | 93.24% | $0 | $7.1M |
| Q4 2025 | 94.15% | 93.25% | $0 | $23.8M |
| Q1 2026 | 78.60% | 94.39% | $0 | $0 |
| Q2 2026 | 85.60% | 94.24% | $0 | $5.7M |
| Q3 2026 | 91.17% | 88.03% | $0 | $15.3M |
South Central State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock South Central 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 South Central State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16707) · FFIEC NIC profile (RSSD 74056)