Central 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.
Loans and leases to core deposits climbed 6.76 percentage points in Q2 2026, from 89.10% to 95.86%. It was the largest change from Q1 2026 among the key lines here. Central Bank ranks 61st of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 81.65% (Q2 2026). At 81.65%, Central Bank'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 | $7.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.3M |
| Fed funds sold and reverse repos | $444K |
| Fed funds sold and reverse repos to assets | 0.28% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6K |
| 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 | 81.65% |
| Net loans and leases to deposits | 80.83% |
| Loans and leases to core deposits | 95.86% |
| Core deposits to total deposits | 81.63% |
| Brokered deposits to total deposits | 3.54% |
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 | 65.56% | 86.57% | $0 | $71K |
| Q4 2023 | 65.33% | 86.71% | $0 | $69K |
| Q1 2024 | 71.71% | 85.16% | $0 | $66K |
| Q2 2024 | 65.40% | 85.89% | $0 | $64K |
| Q3 2024 | 70.23% | 85.51% | $0 | $62K |
| Q4 2024 | 72.18% | 84.35% | $0 | $60K |
| Q1 2025 | 73.54% | 84.45% | $0 | $58K |
| Q2 2025 | 72.37% | 83.48% | $0 | $56K |
| Q3 2025 | 76.37% | 83.34% | $0 | $7K |
| Q4 2025 | 77.54% | 84.22% | $0 | $6K |
| Q1 2026 | 76.15% | 85.47% | $428K | $6K |
| Q2 2026 | 81.65% | 81.63% | $0 | $6K |
Central Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31545) · FFIEC NIC profile (RSSD 265676)