Spratt Savings 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.
Fed funds sold and reverse repos climbed 85.9% in Q2 2026, from $1.0M to $1.9M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Spratt Savings Bank is 3rd from the bottom among 44 South Carolina banks, 39.43% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Spratt Savings Bank reported 39.43% on loan-to-deposit ratio in Q2 2026, 41.41 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $98.6M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 1.23% |
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 | 39.43% |
| Net loans and leases to deposits | 38.52% |
| Loans and leases to core deposits | 45.01% |
| Core deposits to total deposits | 87.60% |
| 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 | 37.30% | 93.39% | $0 | $0 |
| Q4 2023 | 38.09% | 91.84% | $0 | $0 |
| Q1 2024 | 39.07% | 91.41% | $0 | $0 |
| Q2 2024 | 40.08% | 90.81% | $0 | $0 |
| Q3 2024 | 41.60% | 91.18% | $0 | $0 |
| Q4 2024 | 41.95% | 91.78% | $0 | $0 |
| Q1 2025 | 43.61% | 90.78% | $0 | $0 |
| Q2 2025 | 42.06% | 89.78% | $0 | $0 |
| Q3 2025 | 40.76% | 89.45% | $0 | $0 |
| Q4 2025 | 40.02% | 88.87% | $0 | $0 |
| Q1 2026 | 39.36% | 89.39% | $0 | $0 |
| Q2 2026 | 39.43% | 87.60% | $0 | $0 |
Spratt Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Spratt Savings 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 Spratt Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30987) · FFIEC NIC profile (RSSD 746979)