Commercial 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.
Other borrowed money climbed 59.7% in Q2 2026, from $100.9M to $161.2M. It was the largest change from Q1 2026 among the key lines here. Among 109 Tennessee banks, Commercial Bank sits 9th from the top on loan-to-deposit ratio, 101.18% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Commercial Bank sits 12.98 points higher, at 101.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $170.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $303.0M |
| Fed funds sold and reverse repos | $8.8M |
| Fed funds sold and reverse repos to assets | 0.37% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.6M |
| Other borrowed money | $161.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.84% |
| Trading liabilities | $15.7M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.18% |
| Net loans and leases to deposits | 100.20% |
| Loans and leases to core deposits | 107.25% |
| Core deposits to total deposits | 91.43% |
| Brokered deposits to total deposits | 2.91% |
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 | 91.10% | 85.49% | $5.2M | $102.7M |
| Q4 2023 | 91.63% | 85.71% | $6.0M | $99.0M |
| Q1 2024 | 92.60% | 85.62% | $23.7M | $75.4M |
| Q2 2024 | 94.57% | 85.36% | $48.3M | $71.9M |
| Q3 2024 | 91.70% | 85.91% | $4.9M | $66.5M |
| Q4 2024 | 92.51% | 86.10% | $3.4M | $65.6M |
| Q1 2025 | 93.69% | 87.23% | $5.9M | $63.6M |
| Q2 2025 | 96.08% | 87.95% | $46.3M | $63.2M |
| Q3 2025 | 98.54% | 91.59% | $27.7M | $96.6M |
| Q4 2025 | 100.23% | 91.82% | $13.3M | $135.6M |
| Q1 2026 | 97.56% | 92.36% | $5.1M | $100.9M |
| Q2 2026 | 101.18% | 91.43% | $2.6M | $161.2M |
Commercial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22354) · FFIEC NIC profile (RSSD 497039)