Bank of Bartlett: 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 Other borrowed money: 31.2% lower than in Q1 2026, at $13.8M. Bank of Bartlett ranks 58th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 82.58% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Bank of Bartlett reported 82.58% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $137.0M |
| 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 | $27.9M |
| Other borrowed money | $13.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.58% |
| Net loans and leases to deposits | 81.82% |
| Loans and leases to core deposits | 85.23% |
| Core deposits to total deposits | 96.11% |
| Brokered deposits to total deposits | 0.78% |
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 | 77.49% | 97.08% | $51.7M | $30.0M |
| Q4 2023 | 79.72% | 96.59% | $58.9M | $30.0M |
| Q1 2024 | 79.57% | 96.64% | $62.1M | $30.0M |
| Q2 2024 | 81.48% | 96.42% | $64.0M | $30.0M |
| Q3 2024 | 84.89% | 96.72% | $53.5M | $50.0M |
| Q4 2024 | 85.80% | 97.21% | $47.4M | $50.0M |
| Q1 2025 | 84.69% | 96.53% | $39.8M | $50.0M |
| Q2 2025 | 84.91% | 95.77% | $37.5M | $50.0M |
| Q3 2025 | 84.58% | 95.28% | $31.5M | $50.0M |
| Q4 2025 | 84.82% | 94.97% | $23.0M | $40.0M |
| Q1 2026 | 82.56% | 95.33% | $28.7M | $20.0M |
| Q2 2026 | 82.58% | 96.11% | $27.9M | $13.8M |
Bank of Bartlett liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bartlett, 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 Bank of Bartlett profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23123) · FFIEC NIC profile (RSSD 225559)