Waycross Bank & Trust: 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 Loan-to-deposit ratio: 4.35 percentage points lower than in Q1 2026, at 57.57%. Within Georgia, Waycross Bank & Trust is 98th of 122 on loan-to-deposit ratio, 57.57% as of Q2 2026, below the middle of the field. Waycross Bank & Trust reported 57.57% on loan-to-deposit ratio for Q2 2026, 23.27 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $113.6M |
| Fed funds sold and reverse repos | $150K |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.57% |
| Net loans and leases to deposits | 56.49% |
| Loans and leases to core deposits | 65.65% |
| Core deposits to total deposits | 87.70% |
| 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 | 59.77% | 89.96% | $0 | $3.0M |
| Q4 2023 | 59.14% | 90.88% | $0 | $3.0M |
| Q1 2024 | 57.34% | 91.22% | $0 | $0 |
| Q2 2024 | 60.76% | 90.94% | $0 | $2.5M |
| Q3 2024 | 62.21% | 90.56% | $0 | $2.5M |
| Q4 2024 | 61.12% | 91.71% | $0 | $2.5M |
| Q1 2025 | 63.40% | 91.25% | $0 | $2.5M |
| Q2 2025 | 60.01% | 91.36% | $0 | $2.5M |
| Q3 2025 | 58.39% | 89.13% | $0 | $2.5M |
| Q4 2025 | 61.12% | 88.92% | $0 | $2.5M |
| Q1 2026 | 61.92% | 88.69% | $0 | $2.5M |
| Q2 2026 | 57.57% | 87.70% | $0 | $2.5M |
Waycross Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Waycross Bank & Trust, 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 Waycross Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27254) · FFIEC NIC profile (RSSD 1191352)