The Trust 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.
Net loans and leases to deposits climbed 3.97 percentage points in Q2 2026, from 61.81% to 65.77%. It was the largest change from Q1 2026 among the key lines here. The Trust Bank ranks 86th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 66.64% (Q2 2026). At 66.64%, The Trust Bank's loan-to-deposit ratio is close to the 67.62% median for banks in the < $100M asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.6M |
| 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 | $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 | 66.64% |
| Net loans and leases to deposits | 65.77% |
| Loans and leases to core deposits | 67.17% |
| Core deposits to total deposits | 99.21% |
| 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 | 43.99% | 98.75% | $0 | $0 |
| Q4 2023 | 41.57% | 98.72% | $0 | $0 |
| Q1 2024 | 43.94% | 100.00% | $0 | $0 |
| Q2 2024 | 52.18% | 100.00% | $0 | $0 |
| Q3 2024 | 52.96% | 100.00% | $0 | $0 |
| Q4 2024 | 59.18% | 100.00% | $0 | $0 |
| Q1 2025 | 57.09% | 100.00% | $0 | $0 |
| Q2 2025 | 60.68% | 99.20% | $0 | $0 |
| Q3 2025 | 63.78% | 99.20% | $0 | $0 |
| Q4 2025 | 61.08% | 99.16% | $0 | $0 |
| Q1 2026 | 62.71% | 99.18% | $0 | $0 |
| Q2 2026 | 66.64% | 99.21% | $0 | $0 |
The Trust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Trust 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 The Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13832) · FFIEC NIC profile (RSSD 894834)