Southern Bancorp 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 Cash and balances due from depository institutions: 46.2% higher than in Q1 2026, at $251.7M. Within Arkansas, Southern Bancorp Bank is 43rd of 78 on loan-to-deposit ratio, 84.70% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Southern Bancorp Bank sits 3.50 points lower, at 84.70% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $251.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $812.9M |
| Fed funds sold and reverse repos | $59K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $17.1M |
| Other borrowed money | $264.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.70% |
| Net loans and leases to deposits | 83.81% |
| Loans and leases to core deposits | 90.50% |
| Core deposits to total deposits | 88.63% |
| Brokered deposits to total deposits | 4.97% |
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 | 79.58% | 91.16% | $21.5M | $186.1M |
| Q4 2023 | 76.46% | 89.96% | $20.9M | $185.9M |
| Q1 2024 | 78.20% | 88.66% | $32.3M | $185.7M |
| Q2 2024 | 82.60% | 86.21% | $23.3M | $235.6M |
| Q3 2024 | 82.25% | 85.30% | $21.9M | $235.4M |
| Q4 2024 | 81.79% | 86.15% | $22.8M | $235.0M |
| Q1 2025 | 81.64% | 86.24% | $28.5M | $234.7M |
| Q2 2025 | 85.50% | 86.54% | $14.6M | $234.6M |
| Q3 2025 | 87.18% | 88.36% | $15.7M | $234.5M |
| Q4 2025 | 87.26% | 93.81% | $15.2M | $234.4M |
| Q1 2026 | 85.13% | 88.11% | $15.8M | $234.2M |
| Q2 2026 | 84.70% | 88.63% | $17.1M | $264.1M |
Southern Bancorp Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Bancorp 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 Southern Bancorp Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1528) · FFIEC NIC profile (RSSD 852544)