West Central Georgia 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 Q3 2026 was in Cash and balances due from depository institutions: 12.9% higher than in Q2 2026, at $30.2M. Within Georgia, West Central Georgia Bank is 90th of 122 on loan-to-deposit ratio, 64.71% as of Q3 2026, below the middle of the field. West Central Georgia Bank reported 64.71% on loan-to-deposit ratio for Q3 2026, 16.13 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 64.71% |
| Net loans and leases to deposits | 63.29% |
| Loans and leases to core deposits | 67.74% |
| Core deposits to total deposits | 95.52% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 56.61% | 98.07% | $0 | $0 |
| Q1 2024 | 58.98% | 97.84% | $0 | $0 |
| Q2 2024 | 60.73% | 97.24% | $0 | $0 |
| Q3 2024 | 63.76% | 96.38% | $0 | $0 |
| Q4 2024 | 67.16% | 96.39% | $0 | $0 |
| Q1 2025 | 64.33% | 96.44% | $0 | $0 |
| Q2 2025 | 63.44% | 96.48% | $0 | $0 |
| Q3 2025 | 65.44% | 96.23% | $0 | $0 |
| Q4 2025 | 65.46% | 96.36% | $0 | $0 |
| Q1 2026 | 61.63% | 95.97% | $0 | $0 |
| Q2 2026 | 64.22% | 95.41% | $0 | $0 |
| Q3 2026 | 64.71% | 95.52% | $0 | $0 |
West Central Georgia Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Central Georgia 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 West Central Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21526) · FFIEC NIC profile (RSSD 280138)