Talbot State 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 Loans and leases to core deposits: 6.14 percentage points higher than in Q1 2026, at 105.07%. Talbot State Bank ranks 72nd of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 72.89% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Talbot State Bank sits 5.57 points higher, at 72.89% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.89% |
| Net loans and leases to deposits | 72.46% |
| Loans and leases to core deposits | 105.07% |
| Core deposits to total deposits | 67.16% |
| Brokered deposits to total deposits | 19.00% |
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 | 71.53% | 62.54% | $0 | $4.0M |
| Q4 2023 | 67.82% | 63.72% | $0 | $4.0M |
| Q1 2024 | 65.49% | 68.04% | $0 | $4.0M |
| Q2 2024 | 64.60% | 67.33% | $0 | $4.0M |
| Q3 2024 | 68.46% | 66.39% | $0 | $4.0M |
| Q4 2024 | 71.82% | 67.82% | $0 | $4.0M |
| Q1 2025 | 69.23% | 68.22% | $0 | $4.0M |
| Q2 2025 | 68.34% | 68.41% | $0 | $4.0M |
| Q3 2025 | 71.07% | 67.43% | $0 | $4.0M |
| Q4 2025 | 67.66% | 66.30% | $0 | $4.0M |
| Q1 2026 | 68.57% | 67.08% | $0 | $4.0M |
| Q2 2026 | 72.89% | 67.16% | $0 | $4.0M |
Talbot State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Talbot State 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 Talbot State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 178) · FFIEC NIC profile (RSSD 577230)