Banktennessee: 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 Fed funds sold and reverse repos: 23.9% lower than in Q1 2026, at $4.3M. Within Tennessee, Banktennessee is 32nd of 109 on loan-to-deposit ratio, 91.87% as of Q2 2026, above the middle of the field. Banktennessee reported 91.87% on loan-to-deposit ratio for Q2 2026, 11.03 points above 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 | $66.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.8M |
| Fed funds sold and reverse repos | $4.3M |
| Fed funds sold and reverse repos to assets | 0.69% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $14.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.87% |
| Net loans and leases to deposits | 90.69% |
| Loans and leases to core deposits | 101.26% |
| Core deposits to total deposits | 90.46% |
| Brokered deposits to total deposits | 0.27% |
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 | 103.06% | 93.28% | $0 | $30.9M |
| Q4 2023 | 99.77% | 92.19% | $0 | $30.8M |
| Q1 2024 | 97.33% | 91.38% | $0 | $29.5M |
| Q2 2024 | 98.90% | 90.88% | $0 | $29.4M |
| Q3 2024 | 97.69% | 89.55% | $0 | $29.3M |
| Q4 2024 | 95.10% | 88.62% | $0 | $29.2M |
| Q1 2025 | 93.45% | 88.94% | $0 | $18.1M |
| Q2 2025 | 93.02% | 89.21% | $0 | $18.0M |
| Q3 2025 | 94.06% | 89.66% | $0 | $17.9M |
| Q4 2025 | 94.38% | 89.61% | $0 | $15.3M |
| Q1 2026 | 93.75% | 90.29% | $0 | $14.5M |
| Q2 2026 | 91.87% | 90.46% | $0 | $14.4M |
Banktennessee liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Banktennessee, 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 Banktennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29177) · FFIEC NIC profile (RSSD 831576)