South Georgia 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 dropped 2.07 percentage points in Q2 2026, from 66.10% to 64.03%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, South Georgia Bank is 103rd of 122 on loan-to-deposit ratio, 56.85% as of Q2 2026, below the middle of the field. South Georgia Bank reported 56.85% on loan-to-deposit ratio for Q2 2026, 23.99 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $71.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $127.6M |
| 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 | 56.85% |
| Net loans and leases to deposits | 55.41% |
| Loans and leases to core deposits | 64.03% |
| Core deposits to total deposits | 88.79% |
| 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 | 63.12% | 90.93% | $0 | $0 |
| Q4 2023 | 60.76% | 91.27% | $0 | $0 |
| Q1 2024 | 60.89% | 90.17% | $0 | $0 |
| Q2 2024 | 60.60% | 89.89% | $0 | $0 |
| Q3 2024 | 62.19% | 90.20% | $0 | $0 |
| Q4 2024 | 58.32% | 90.57% | $0 | $0 |
| Q1 2025 | 56.19% | 90.47% | $0 | $0 |
| Q2 2025 | 58.16% | 88.82% | $0 | $0 |
| Q3 2025 | 61.15% | 88.26% | $0 | $0 |
| Q4 2025 | 61.85% | 88.37% | $0 | $0 |
| Q1 2026 | 58.35% | 88.27% | $0 | $0 |
| Q2 2026 | 56.85% | 88.79% | $0 | $0 |
South Georgia Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock South Georgia 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 Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32532) · FFIEC NIC profile (RSSD 995571)