Southern First 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 Brokered deposits to total deposits: 3.42 percentage points lower than in Q1 2026, at 9.47%. On loan-to-deposit ratio, Southern First Bank ranks 3rd highest among the 44 banks headquartered in South Carolina, at 100.92% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Southern First Bank sits 12.71 points higher, at 100.92% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $366.4M |
| Cash and noninterest-bearing balances to assets | 7.26% |
| Cash and securities | $510.8M |
| Fed funds sold and reverse repos | $25.0M |
| Fed funds sold and reverse repos to assets | 0.53% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $240.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.92% |
| Net loans and leases to deposits | 99.81% |
| Loans and leases to core deposits | 107.56% |
| Core deposits to total deposits | 84.35% |
| Brokered deposits to total deposits | 9.47% |
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 | 105.76% | 85.71% | $0 | $300.0M |
| Q4 2023 | 106.31% | 83.27% | $0 | $299.6M |
| Q1 2024 | 105.09% | 81.22% | $0 | $264.3M |
| Q2 2024 | 104.60% | 80.69% | $0 | $263.9M |
| Q3 2024 | 102.65% | 76.99% | $0 | $263.6M |
| Q4 2024 | 105.38% | 77.57% | $0 | $263.2M |
| Q1 2025 | 101.38% | 78.04% | $0 | $262.9M |
| Q2 2025 | 102.81% | 78.97% | $0 | $262.5M |
| Q3 2025 | 102.77% | 78.57% | $0 | $262.1M |
| Q4 2025 | 103.39% | 79.16% | $0 | $240.0M |
| Q1 2026 | 101.73% | 81.36% | $0 | $240.0M |
| Q2 2026 | 100.92% | 84.35% | $0 | $240.0M |
Southern First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35295) · FFIEC NIC profile (RSSD 2849801)