South Georgia Banking Company: 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 Fed funds sold and reverse repos: 74.3% lower than in Q1 2026, at $3.9M. Within Georgia, South Georgia Banking Company is 53rd of 122 on loan-to-deposit ratio, 81.82% as of Q2 2026, above the middle of the field. At 81.82%, South Georgia Banking Company's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.6M |
| Fed funds sold and reverse repos | $3.9M |
| Fed funds sold and reverse repos to assets | 0.68% |
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 | 81.82% |
| Net loans and leases to deposits | 80.90% |
| Loans and leases to core deposits | 85.59% |
| Core deposits to total deposits | 95.60% |
| 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 | 63.86% | 97.29% | $0 | $0 |
| Q4 2023 | 62.55% | 97.29% | $0 | $0 |
| Q1 2024 | 64.91% | 96.99% | $0 | $0 |
| Q2 2024 | 69.33% | 96.97% | $0 | $0 |
| Q3 2024 | 72.19% | 96.60% | $0 | $0 |
| Q4 2024 | 65.17% | 96.79% | $0 | $0 |
| Q1 2025 | 69.18% | 96.66% | $0 | $0 |
| Q2 2025 | 73.18% | 96.32% | $0 | $0 |
| Q3 2025 | 75.35% | 96.29% | $0 | $0 |
| Q4 2025 | 70.04% | 96.36% | $0 | $0 |
| Q1 2026 | 75.01% | 95.78% | $0 | $0 |
| Q2 2026 | 81.82% | 95.60% | $0 | $0 |
South Georgia Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock South Georgia Banking Company, 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20198) · FFIEC NIC profile (RSSD 767732)