United 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: 2.25 percentage points higher than in Q1 2026, at 50.71%. On loan-to-deposit ratio, United Bank is 12th from the bottom among 122 Georgia banks, 50.29% (Q2 2026). United Bank reported 50.29% on loan-to-deposit ratio for Q2 2026, 37.92 points below 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 | $420.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $1.18B |
| 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 | 50.29% |
| Net loans and leases to deposits | 49.27% |
| Loans and leases to core deposits | 50.71% |
| Core deposits to total deposits | 99.16% |
| 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% | 99.05% | $0 | $0 |
| Q4 2023 | 43.51% | 99.04% | $0 | $0 |
| Q1 2024 | 45.03% | 99.03% | $0 | $0 |
| Q2 2024 | 46.29% | 99.07% | $0 | $0 |
| Q3 2024 | 48.20% | 99.08% | $0 | $0 |
| Q4 2024 | 46.06% | 99.16% | $0 | $0 |
| Q1 2025 | 49.77% | 99.16% | $0 | $0 |
| Q2 2025 | 49.12% | 99.12% | $0 | $0 |
| Q3 2025 | 49.62% | 99.12% | $0 | $0 |
| Q4 2025 | 44.96% | 99.21% | $0 | $0 |
| Q1 2026 | 48.05% | 99.15% | $0 | $0 |
| Q2 2026 | 50.29% | 99.16% | $0 | $0 |
United Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 172) · FFIEC NIC profile (RSSD 37435)