The Bank of Milan: 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 Loan-to-deposit ratio: 6.36 percentage points higher than in Q1 2026, at 69.31%. The Bank of Milan ranks 88th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 69.31% (Q2 2026). The Bank of Milan reported 69.31% on loan-to-deposit ratio for Q2 2026, 11.53 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 | $7.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.8M |
| Fed funds sold and reverse repos | $88K |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.6M |
| 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 | 69.31% |
| Net loans and leases to deposits | 68.95% |
| Loans and leases to core deposits | 71.86% |
| Core deposits to total deposits | 96.45% |
| 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 | 63.02% | 89.73% | $2.9M | $0 |
| Q4 2023 | 60.30% | 88.92% | $3.1M | $0 |
| Q1 2024 | 60.19% | 90.57% | $3.5M | $0 |
| Q2 2024 | 62.19% | 89.47% | $3.8M | $0 |
| Q3 2024 | 62.89% | 89.07% | $2.6M | $0 |
| Q4 2024 | 57.32% | 90.80% | $4.0M | $0 |
| Q1 2025 | 55.74% | 91.96% | $3.2M | $0 |
| Q2 2025 | 55.51% | 91.80% | $4.0M | $0 |
| Q3 2025 | 55.19% | 91.42% | $4.9M | $0 |
| Q4 2025 | 55.83% | 95.08% | $5.0M | $0 |
| Q1 2026 | 62.95% | 94.69% | $4.0M | $0 |
| Q2 2026 | 69.31% | 96.45% | $3.6M | $0 |
The Bank of Milan 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 Milan, 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 Milan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33851) · FFIEC NIC profile (RSSD 2123930)