Bank of Lincoln 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.
Loans and leases to core deposits climbed 1.24 percentage points in Q2 2026, from 104.65% to 105.89%. It was the largest change from Q1 2026 among the key lines here. Bank of Lincoln County ranks 37th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 87.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Lincoln County sits 6.55 points higher, at 87.38% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.3M |
| 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 | 87.38% |
| Net loans and leases to deposits | 86.59% |
| Loans and leases to core deposits | 105.89% |
| Core deposits to total deposits | 82.53% |
| Brokered deposits to total deposits | 2.52% |
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 | 89.30% | 86.80% | $0 | $0 |
| Q4 2023 | 79.72% | 87.09% | $0 | $0 |
| Q1 2024 | 84.55% | 86.64% | $0 | $0 |
| Q2 2024 | 86.05% | 84.73% | $0 | $0 |
| Q3 2024 | 88.48% | 83.30% | $0 | $0 |
| Q4 2024 | 88.85% | 83.91% | $0 | $0 |
| Q1 2025 | 90.13% | 83.66% | $0 | $0 |
| Q2 2025 | 89.42% | 79.70% | $0 | $0 |
| Q3 2025 | 86.26% | 80.56% | $0 | $0 |
| Q4 2025 | 86.19% | 83.05% | $0 | $0 |
| Q1 2026 | 87.16% | 83.29% | $0 | $0 |
| Q2 2026 | 87.38% | 82.53% | $0 | $0 |
Bank of Lincoln County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lincoln 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 Bank of Lincoln County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57396) · FFIEC NIC profile (RSSD 3128923)