Southern 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 dropped 25.0% in Q2 2026, from $20.0M to $15.0M. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Southern Bank is 27th of 44 on loan-to-deposit ratio, 73.97% as of Q2 2026. Southern Bank reported 73.97% on loan-to-deposit ratio for Q2 2026, 6.58 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $118.1M |
| Fed funds sold and reverse repos | $9.8M |
| Fed funds sold and reverse repos to assets | 2.41% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.97% |
| Net loans and leases to deposits | 73.21% |
| Loans and leases to core deposits | 84.31% |
| Core deposits to total deposits | 87.30% |
| Brokered deposits to total deposits | 6.91% |
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 | 72.72% | 87.67% | $0 | $5.0M |
| Q4 2023 | 71.19% | 82.41% | $0 | $12.0M |
| Q1 2024 | 67.26% | 83.01% | $0 | $10.0M |
| Q2 2024 | 71.66% | 85.30% | $0 | $15.0M |
| Q3 2024 | 70.60% | 85.05% | $0 | $15.0M |
| Q4 2024 | 68.66% | 86.42% | $0 | $20.0M |
| Q1 2025 | 71.76% | 86.25% | $0 | $20.0M |
| Q2 2025 | 70.93% | 86.43% | $0 | $20.0M |
| Q3 2025 | 72.67% | 86.80% | $0 | $20.0M |
| Q4 2025 | 74.53% | 85.78% | $0 | $20.0M |
| Q1 2026 | 73.97% | 86.07% | $0 | $20.0M |
| Q2 2026 | 73.97% | 87.30% | $0 | $15.0M |
Southern Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16288) · FFIEC NIC profile (RSSD 307334)