Bank of Perry 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.
Fed funds sold and reverse repos to assets dropped 3.67 percentage points in Q2 2026, from 11.28% to 7.60%. It was the largest change from Q1 2026 among the key lines here. Bank of Perry County ranks 31st of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 92.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Perry County sits 11.63 points higher, at 92.46% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.9M |
| Fed funds sold and reverse repos | $19.2M |
| Fed funds sold and reverse repos to assets | 7.60% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.79% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.46% |
| Net loans and leases to deposits | 91.54% |
| Loans and leases to core deposits | 103.39% |
| Core deposits to total deposits | 78.68% |
| Brokered deposits to total deposits | 10.75% |
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 | 94.26% | 79.94% | $0 | $7.4M |
| Q4 2023 | 92.63% | 79.28% | $0 | $7.0M |
| Q1 2024 | 92.63% | 79.25% | $0 | $5.8M |
| Q2 2024 | 95.14% | 78.14% | $0 | $5.7M |
| Q3 2024 | 92.99% | 77.67% | $0 | $5.6M |
| Q4 2024 | 93.06% | 77.80% | $0 | $5.3M |
| Q1 2025 | 92.81% | 77.54% | $0 | $5.2M |
| Q2 2025 | 91.88% | 77.90% | $0 | $5.1M |
| Q3 2025 | 91.60% | 77.60% | $0 | $5.0M |
| Q4 2025 | 92.39% | 78.68% | $0 | $4.7M |
| Q1 2026 | 90.65% | 78.72% | $0 | $4.6M |
| Q2 2026 | 92.46% | 78.68% | $0 | $4.5M |
Bank of Perry 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 Perry 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 Perry County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1713) · FFIEC NIC profile (RSSD 284239)