The Southern Bank 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 Loans and leases to core deposits: 11.64 percentage points higher than in Q1 2026, at 86.22%. Within Alabama, The Southern Bank Company is 55th of 93 on loan-to-deposit ratio, 65.08% as of Q2 2026, below the middle of the field. The Southern Bank Company reported 65.08% on loan-to-deposit ratio for Q2 2026, 15.76 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 | $19.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $62.8M |
| Fed funds sold and reverse repos | $135K |
| Fed funds sold and reverse repos to assets | 0.10% |
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 | 65.08% |
| Net loans and leases to deposits | 63.44% |
| Loans and leases to core deposits | 86.22% |
| Core deposits to total deposits | 75.48% |
| 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 | 63.07% | 85.65% | $0 | $0 |
| Q4 2023 | 60.75% | 82.17% | $0 | $0 |
| Q1 2024 | 61.89% | 80.06% | $0 | $0 |
| Q2 2024 | 64.46% | 80.07% | $0 | $0 |
| Q3 2024 | 66.37% | 78.80% | $0 | $0 |
| Q4 2024 | 61.76% | 75.10% | $0 | $0 |
| Q1 2025 | 57.69% | 76.92% | $0 | $0 |
| Q2 2025 | 57.38% | 75.27% | $0 | $0 |
| Q3 2025 | 54.65% | 75.00% | $0 | $0 |
| Q4 2025 | 57.19% | 77.28% | $0 | $0 |
| Q1 2026 | 56.34% | 75.54% | $0 | $0 |
| Q2 2026 | 65.08% | 75.48% | $0 | $0 |
The Southern Bank Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Southern Bank 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 The Southern Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29731) · FFIEC NIC profile (RSSD 117775)