The Bank of Fayette County: 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 Cash and balances due from depository institutions: 8.0% lower than in Q1 2026, at $78.0M. The Bank of Fayette County ranks 28th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 94.59% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Bank of Fayette County sits 6.39 points higher, at 94.59% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $78.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $168.4M |
| 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 | $37.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.59% |
| Net loans and leases to deposits | 93.49% |
| Loans and leases to core deposits | 116.02% |
| Core deposits to total deposits | 81.53% |
| 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 | 100.51% | 89.28% | $0 | $55.3M |
| Q4 2023 | 100.04% | 88.13% | $0 | $55.1M |
| Q1 2024 | 98.95% | 86.94% | $0 | $55.1M |
| Q2 2024 | 99.14% | 87.06% | $0 | $55.0M |
| Q3 2024 | 96.95% | 84.98% | $0 | $55.0M |
| Q4 2024 | 96.05% | 84.70% | $0 | $37.9M |
| Q1 2025 | 95.09% | 83.15% | $0 | $37.8M |
| Q2 2025 | 95.52% | 82.61% | $0 | $37.8M |
| Q3 2025 | 95.24% | 82.47% | $0 | $37.8M |
| Q4 2025 | 94.86% | 82.06% | $0 | $37.7M |
| Q1 2026 | 94.78% | 81.48% | $0 | $37.7M |
| Q2 2026 | 94.59% | 81.53% | $0 | $37.6M |
The Bank of Fayette County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Fayette County, 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 The Bank of Fayette County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10308) · FFIEC NIC profile (RSSD 466754)