Southeast First National 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.
Core deposits to total deposits dropped 4.09 percentage points in Q2 2026, from 85.98% to 81.88%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Southeast First National Bank is 4th from the bottom among 122 Georgia banks, 28.68% (Q2 2026). Against a median of 67.62% for banks in the < $100M asset tier, Southeast First National Bank reported 28.68% on loan-to-deposit ratio in Q2 2026, 38.94 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.7M |
| 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 | 28.68% |
| Net loans and leases to deposits | 28.17% |
| Loans and leases to core deposits | 35.02% |
| Core deposits to total deposits | 81.88% |
| Brokered deposits to total deposits | 0.01% |
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 | 32.22% | 91.12% | $0 | $0 |
| Q4 2023 | 30.28% | 88.37% | $0 | $0 |
| Q1 2024 | 32.86% | 86.56% | $0 | $0 |
| Q2 2024 | 34.03% | 81.51% | $0 | $0 |
| Q3 2024 | 33.82% | 82.95% | $0 | $0 |
| Q4 2024 | 33.27% | 81.58% | $0 | $0 |
| Q1 2025 | 30.02% | 82.75% | $0 | $0 |
| Q2 2025 | 32.36% | 83.14% | $0 | $0 |
| Q3 2025 | 33.02% | 81.44% | $0 | $0 |
| Q4 2025 | 33.70% | 83.91% | $0 | $0 |
| Q1 2026 | 31.95% | 85.98% | $0 | $0 |
| Q2 2026 | 28.68% | 81.88% | $0 | $0 |
Southeast First National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southeast First National 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 Southeast First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19819) · FFIEC NIC profile (RSSD 563934)