Builtwell Bank: 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: 79.6% higher than in Q1 2026, at $10.5M. Builtwell Bank ranks 70th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 77.76% (Q2 2026). Builtwell Bank reported 77.76% on loan-to-deposit ratio for Q2 2026, 10.44 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $314.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $617.2M |
| Fed funds sold and reverse repos | $10.5M |
| Fed funds sold and reverse repos to assets | 0.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $360K |
| 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 | 77.76% |
| Net loans and leases to deposits | 76.64% |
| Loans and leases to core deposits | 85.05% |
| Core deposits to total deposits | 91.43% |
| 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 | 77.21% | 94.39% | $378K | $0 |
| Q4 2023 | 78.98% | 93.33% | $312K | $0 |
| Q1 2024 | 78.46% | 92.98% | $270K | $0 |
| Q2 2024 | 78.64% | 92.05% | $706K | $0 |
| Q3 2024 | 77.16% | 91.09% | $241K | $0 |
| Q4 2024 | 75.14% | 90.60% | $587K | $0 |
| Q1 2025 | 73.41% | 91.34% | $334K | $0 |
| Q2 2025 | 73.25% | 90.48% | $189K | $0 |
| Q3 2025 | 76.90% | 90.59% | $417K | $0 |
| Q4 2025 | 76.96% | 90.46% | $693K | $0 |
| Q1 2026 | 77.67% | 91.18% | $769K | $0 |
| Q2 2026 | 77.76% | 91.43% | $360K | $0 |
Builtwell Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Builtwell Bank, 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 Builtwell Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10307) · FFIEC NIC profile (RSSD 234739)