Coffee County 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 4.72 percentage points in Q2 2026, from 111.74% to 116.46%. It was the largest change from Q1 2026 among the key lines here. Coffee County Bank ranks 22nd of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 95.71% (Q2 2026). Coffee County Bank reported 95.71% on loan-to-deposit ratio for Q2 2026, 14.87 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 | $37.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 95.71% |
| Net loans and leases to deposits | 94.44% |
| Loans and leases to core deposits | 116.46% |
| Core deposits to total deposits | 82.18% |
| 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 | 100.64% | 80.28% | $0 | $23.7M |
| Q4 2023 | 105.30% | 79.50% | $0 | $33.5M |
| Q1 2024 | 105.11% | 78.71% | $0 | $35.8M |
| Q2 2024 | 109.40% | 78.26% | $0 | $43.0M |
| Q3 2024 | 102.34% | 78.60% | $0 | $27.0M |
| Q4 2024 | 101.15% | 80.09% | $0 | $18.0M |
| Q1 2025 | 96.14% | 80.19% | $0 | $5.0M |
| Q2 2025 | 89.97% | 81.87% | $0 | $0 |
| Q3 2025 | 89.58% | 81.53% | $0 | $0 |
| Q4 2025 | 91.60% | 81.83% | $0 | $0 |
| Q1 2026 | 92.02% | 82.36% | $0 | $0 |
| Q2 2026 | 95.71% | 82.18% | $0 | $0 |
Coffee County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Coffee County 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 Coffee County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22090) · FFIEC NIC profile (RSSD 211338)