Bank of Franklin: 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.
Loans and leases to core deposits climbed 3.48 percentage points in Q2 2026, from 82.82% to 86.30%. It was the largest change from Q1 2026 among the key lines here. Bank of Franklin ranks 24th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 78.56% (Q2 2026). At 78.56%, Bank of Franklin's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $73.6M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.56% |
| Net loans and leases to deposits | 77.62% |
| Loans and leases to core deposits | 86.30% |
| Core deposits to total deposits | 91.02% |
| Brokered deposits to total deposits | 1.88% |
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 | 74.99% | 94.10% | $0 | $0 |
| Q4 2023 | 78.88% | 92.91% | $0 | $0 |
| Q1 2024 | 77.54% | 93.22% | $0 | $0 |
| Q2 2024 | 76.66% | 93.37% | $0 | $0 |
| Q3 2024 | 78.48% | 93.04% | $0 | $0 |
| Q4 2024 | 81.51% | 92.99% | $0 | $2.0M |
| Q1 2025 | 79.67% | 91.65% | $0 | $0 |
| Q2 2025 | 81.54% | 91.67% | $0 | $0 |
| Q3 2025 | 87.24% | 91.28% | $0 | $9.2M |
| Q4 2025 | 89.83% | 91.09% | $0 | $15.5M |
| Q1 2026 | 75.99% | 91.76% | $0 | $0 |
| Q2 2026 | 78.56% | 91.02% | $0 | $0 |
Bank of Franklin liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Franklin, 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 Franklin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10594) · FFIEC NIC profile (RSSD 68831)