Apex 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 Loan-to-deposit ratio: 5.18 percentage points lower than in Q1 2026, at 105.63%. Among 109 Tennessee banks, Apex Bank sits 4th from the top on loan-to-deposit ratio, 105.63% as of Q2 2026. Apex Bank reported 105.63% on loan-to-deposit ratio for Q2 2026, 17.43 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 | $108.1M |
| Cash and noninterest-bearing balances to assets | 7.42% |
| Cash and securities | $137.4M |
| 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 | $88.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.08% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.63% |
| Net loans and leases to deposits | 104.55% |
| Loans and leases to core deposits | 120.05% |
| Core deposits to total deposits | 55.07% |
| Brokered deposits to total deposits | 32.92% |
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 | 101.51% | 63.11% | $0 | $100.0M |
| Q4 2023 | 105.33% | 64.25% | $0 | $100.0M |
| Q1 2024 | 103.83% | 65.67% | $0 | $100.0M |
| Q2 2024 | 113.40% | 65.72% | $0 | $100.0M |
| Q3 2024 | 116.59% | 64.70% | $0 | $100.0M |
| Q4 2024 | 115.68% | 62.19% | $0 | $100.0M |
| Q1 2025 | 112.88% | 54.28% | $0 | $115.0M |
| Q2 2025 | 118.91% | 57.21% | $0 | $115.0M |
| Q3 2025 | 115.25% | 54.53% | $0 | $97.0M |
| Q4 2025 | 113.28% | 55.63% | $0 | $94.0M |
| Q1 2026 | 110.81% | 57.62% | $0 | $94.0M |
| Q2 2026 | 105.63% | 55.07% | $0 | $88.5M |
Apex Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Apex 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 Apex Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9176) · FFIEC NIC profile (RSSD 51253)