BANK3: 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: 67.0% lower than in Q1 2026, at $3.3M. Within Tennessee, BANK3 is 25th of 109 on loan-to-deposit ratio, 95.37% as of Q2 2026. BANK3 reported 95.37% on loan-to-deposit ratio for Q2 2026, 14.82 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $63.7M |
| Fed funds sold and reverse repos | $16.0M |
| Fed funds sold and reverse repos to assets | 3.25% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.37% |
| Net loans and leases to deposits | 94.34% |
| Loans and leases to core deposits | 110.31% |
| Core deposits to total deposits | 64.93% |
| Brokered deposits to total deposits | 21.53% |
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 | 89.38% | 84.46% | $0 | $0 |
| Q4 2023 | 97.60% | 85.37% | $0 | $10.0M |
| Q1 2024 | 97.48% | 84.51% | $0 | $10.0M |
| Q2 2024 | 97.03% | 76.94% | $0 | $11.0M |
| Q3 2024 | 99.16% | 76.19% | $0 | $17.0M |
| Q4 2024 | 101.65% | 71.03% | $0 | $19.0M |
| Q1 2025 | 100.31% | 72.54% | $0 | $20.0M |
| Q2 2025 | 104.87% | 71.31% | $0 | $25.0M |
| Q3 2025 | 99.66% | 65.95% | $0 | $17.5M |
| Q4 2025 | 99.73% | 67.09% | $0 | $23.5M |
| Q1 2026 | 97.06% | 64.37% | $0 | $10.0M |
| Q2 2026 | 95.37% | 64.93% | $0 | $3.3M |
BANK3 liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK3, 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 BANK3 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15205) · FFIEC NIC profile (RSSD 502652)