Commercial Bank & Trust Company: 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 Loans and leases to core deposits: 4.01 percentage points higher than in Q1 2026, at 70.23%. Commercial Bank & Trust Company ranks 95th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 65.91% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Commercial Bank & Trust Company sits 22.29 points lower, at 65.91% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $75.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $393.7M |
| Fed funds sold and reverse repos | $3.0M |
| 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 | $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 | 65.91% |
| Net loans and leases to deposits | 64.95% |
| Loans and leases to core deposits | 70.23% |
| Core deposits to total deposits | 93.84% |
| 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 | 56.72% | 94.28% | $0 | $0 |
| Q4 2023 | 56.25% | 94.81% | $0 | $0 |
| Q1 2024 | 58.66% | 94.55% | $0 | $0 |
| Q2 2024 | 59.92% | 94.11% | $0 | $0 |
| Q3 2024 | 59.23% | 94.07% | $0 | $0 |
| Q4 2024 | 57.82% | 94.20% | $0 | $0 |
| Q1 2025 | 58.15% | 94.37% | $0 | $0 |
| Q2 2025 | 58.89% | 94.13% | $0 | $0 |
| Q3 2025 | 61.05% | 93.75% | $0 | $0 |
| Q4 2025 | 63.10% | 93.63% | $0 | $0 |
| Q1 2026 | 62.16% | 93.86% | $0 | $0 |
| Q2 2026 | 65.91% | 93.84% | $0 | $0 |
Commercial Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8660) · FFIEC NIC profile (RSSD 467658)