Bank of Halls: 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.
Fed funds sold and reverse repos dropped 91.0% in Q2 2026, from $1.7M to $150K. It was the largest change from Q1 2026 among the key lines here. Bank of Halls has the 5th lowest loan-to-deposit ratio of the 109 banks headquartered in Tennessee, at 51.80% as of Q2 2026. Bank of Halls reported 51.80% on loan-to-deposit ratio for Q2 2026, 29.04 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.0M |
| Fed funds sold and reverse repos | $150K |
| Fed funds sold and reverse repos to assets | 0.11% |
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 | 51.80% |
| Net loans and leases to deposits | 51.05% |
| Loans and leases to core deposits | 56.80% |
| Core deposits to total deposits | 91.20% |
| 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 | 38.49% | 89.88% | $0 | $0 |
| Q4 2023 | 32.17% | 90.64% | $0 | $0 |
| Q1 2024 | 36.76% | 90.39% | $0 | $0 |
| Q2 2024 | 39.85% | 90.71% | $0 | $0 |
| Q3 2024 | 44.61% | 90.50% | $0 | $0 |
| Q4 2024 | 41.57% | 93.98% | $0 | $0 |
| Q1 2025 | 39.27% | 93.72% | $0 | $0 |
| Q2 2025 | 45.82% | 92.53% | $0 | $0 |
| Q3 2025 | 46.91% | 92.04% | $0 | $0 |
| Q4 2025 | 44.67% | 92.18% | $0 | $0 |
| Q1 2026 | 48.68% | 92.06% | $0 | $0 |
| Q2 2026 | 51.80% | 91.20% | $0 | $0 |
Bank of Halls liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Halls, 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 Halls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10315) · FFIEC NIC profile (RSSD 145059)