Centennial 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: 83.2% lower than in Q1 2026, at $15.0M. Within Tennessee, Centennial Bank is 68th of 109 on loan-to-deposit ratio, 79.78% as of Q2 2026. Centennial Bank reported 79.78% on loan-to-deposit ratio for Q2 2026, 8.42 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 | $145.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $263.1M |
| Fed funds sold and reverse repos | $15.0M |
| Fed funds sold and reverse repos to assets | 1.41% |
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 | 0.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.78% |
| Net loans and leases to deposits | 78.51% |
| Loans and leases to core deposits | 89.25% |
| Core deposits to total deposits | 88.31% |
| Brokered deposits to total deposits | 1.08% |
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 | 92.11% | 90.07% | $0 | $12.0M |
| Q4 2023 | 93.98% | 89.57% | $0 | $11.6M |
| Q1 2024 | 93.42% | 88.86% | $0 | $11.3M |
| Q2 2024 | 92.84% | 89.05% | $0 | $11.0M |
| Q3 2024 | 94.52% | 88.33% | $0 | $10.7M |
| Q4 2024 | 96.27% | 88.16% | $0 | $10.3M |
| Q1 2025 | 92.46% | 86.73% | $0 | $10.0M |
| Q2 2025 | 92.92% | 87.47% | $0 | $9.7M |
| Q3 2025 | 91.91% | 87.90% | $0 | $9.3M |
| Q4 2025 | 90.29% | 88.67% | $0 | $9.0M |
| Q1 2026 | 78.19% | 88.40% | $0 | $8.8M |
| Q2 2026 | 79.78% | 88.31% | $0 | $3.3M |
Centennial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Centennial 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 Centennial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8439) · FFIEC NIC profile (RSSD 531250)