Bank of Tennessee: 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 Other borrowed money: 304.8% higher than in Q1 2026, at $227.1M. Within Tennessee, Bank of Tennessee is 11th of 109 on loan-to-deposit ratio, 100.84% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of Tennessee sits 12.64 points higher, at 100.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.3M |
| Cash and noninterest-bearing balances to assets | 1.35% |
| Cash and securities | $317.6M |
| Fed funds sold and reverse repos | $2.9M |
| Fed funds sold and reverse repos to assets | 0.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $4.6M |
| Other borrowed money | $227.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.84% |
| Net loans and leases to deposits | 99.96% |
| Loans and leases to core deposits | 103.91% |
| Core deposits to total deposits | 95.88% |
| Brokered deposits to total deposits | 1.16% |
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 | 94.09% | 92.12% | $16.9M | $57.0M |
| Q4 2023 | 93.29% | 90.80% | $1.1M | $57.0M |
| Q1 2024 | 88.97% | 92.36% | $11.6M | $0 |
| Q2 2024 | 95.24% | 92.98% | $8.4M | $76.0M |
| Q3 2024 | 93.64% | 92.66% | $8.4M | $46.0M |
| Q4 2024 | 90.39% | 93.39% | $15.3M | $0 |
| Q1 2025 | 88.42% | 94.26% | $17.0M | $100K |
| Q2 2025 | 88.41% | 95.23% | $10.7M | $100K |
| Q3 2025 | 86.29% | 96.62% | $11.6M | $100K |
| Q4 2025 | 89.66% | 96.86% | $12.2M | $100K |
| Q1 2026 | 92.19% | 97.63% | $4.8M | $56.1M |
| Q2 2026 | 100.84% | 95.88% | $4.6M | $227.1M |
Bank of Tennessee liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Tennessee, 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 Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21573) · FFIEC NIC profile (RSSD 340135)