Southern Independent 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 Fed funds sold and reverse repos: 31.2% lower than in Q1 2026, at $18.0M. Within Alabama, Southern Independent Bank is 71st of 93 on loan-to-deposit ratio, 53.71% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Southern Independent Bank sits 27.13 points lower, at 53.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $193.5M |
| Fed funds sold and reverse repos | $18.0M |
| Fed funds sold and reverse repos to assets | 4.55% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $9.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.71% |
| Net loans and leases to deposits | 53.10% |
| Loans and leases to core deposits | 65.08% |
| Core deposits to total deposits | 82.52% |
| 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 | 50.29% | 84.11% | $0 | $9.0M |
| Q4 2023 | 48.46% | 83.18% | $0 | $9.1M |
| Q1 2024 | 46.81% | 80.93% | $0 | $9.1M |
| Q2 2024 | 47.31% | 80.57% | $0 | $9.1M |
| Q3 2024 | 49.09% | 80.17% | $0 | $9.0M |
| Q4 2024 | 49.71% | 82.13% | $0 | $9.0M |
| Q1 2025 | 52.16% | 81.68% | $0 | $9.0M |
| Q2 2025 | 52.68% | 81.39% | $0 | $9.0M |
| Q3 2025 | 51.93% | 80.87% | $0 | $9.0M |
| Q4 2025 | 52.08% | 81.79% | $0 | $9.0M |
| Q1 2026 | 51.82% | 82.08% | $0 | $9.0M |
| Q2 2026 | 53.71% | 82.52% | $0 | $9.0M |
Southern Independent Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58357) · FFIEC NIC profile (RSSD 3531176)