Carroll Bank and Trust: 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 dropped 76.9% in Q2 2026, from $6.1M to $1.4M. It was the largest change from Q1 2026 among the key lines here. Carroll Bank and Trust ranks 57th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 82.82% (Q2 2026). At 82.82%, Carroll Bank and Trust's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.1M |
| Fed funds sold and reverse repos | $1.4M |
| Fed funds sold and reverse repos to assets | 0.21% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $395K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.82% |
| Net loans and leases to deposits | 82.16% |
| Loans and leases to core deposits | 99.75% |
| Core deposits to total deposits | 83.02% |
| 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 | 87.61% | 83.28% | $0 | $31.2M |
| Q4 2023 | 81.61% | 81.94% | $0 | $7.2M |
| Q1 2024 | 82.06% | 84.99% | $0 | $7.2M |
| Q2 2024 | 85.51% | 84.75% | $0 | $5.2M |
| Q3 2024 | 85.24% | 83.99% | $0 | $10.2M |
| Q4 2024 | 81.07% | 84.12% | $0 | $187K |
| Q1 2025 | 78.45% | 83.86% | $0 | $172K |
| Q2 2025 | 78.01% | 84.25% | $0 | $157K |
| Q3 2025 | 79.23% | 83.84% | $0 | $489K |
| Q4 2025 | 79.91% | 84.23% | $0 | $457K |
| Q1 2026 | 78.12% | 83.02% | $0 | $427K |
| Q2 2026 | 82.82% | 83.02% | $0 | $395K |
Carroll Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Carroll Bank and Trust, 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 Carroll Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2380) · FFIEC NIC profile (RSSD 541857)