Thomasville National 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 399.1% in Q2 2026, from $2.1M to $10.2M. It was the largest change from Q1 2026 among the key lines here. Among 122 Georgia banks, Thomasville National Bank sits 11th from the top on loan-to-deposit ratio, 99.29% as of Q2 2026. Thomasville National Bank reported 99.29% on loan-to-deposit ratio for Q2 2026, 11.08 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $233.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $292.7M |
| Fed funds sold and reverse repos | $10.2M |
| Fed funds sold and reverse repos to assets | 0.47% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $76.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.29% |
| Net loans and leases to deposits | 97.22% |
| Loans and leases to core deposits | 112.63% |
| Core deposits to total deposits | 85.53% |
| Brokered deposits to total deposits | 2.63% |
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 | 100.82% | 79.60% | $0 | $64.1M |
| Q4 2023 | 99.51% | 79.73% | $0 | $63.5M |
| Q1 2024 | 94.98% | 82.11% | $0 | $62.8M |
| Q2 2024 | 96.78% | 82.33% | $0 | $62.2M |
| Q3 2024 | 96.27% | 81.19% | $0 | $61.5M |
| Q4 2024 | 93.38% | 83.91% | $0 | $61.0M |
| Q1 2025 | 96.96% | 85.77% | $0 | $60.5M |
| Q2 2025 | 101.44% | 83.78% | $0 | $95.0M |
| Q3 2025 | 102.21% | 83.42% | $0 | $97.8M |
| Q4 2025 | 98.22% | 84.52% | $0 | $77.4M |
| Q1 2026 | 99.90% | 85.20% | $0 | $77.0M |
| Q2 2026 | 99.29% | 85.53% | $0 | $76.0M |
Thomasville National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Thomasville National 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 Thomasville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34068) · FFIEC NIC profile (RSSD 2344753)