Community Bank, Lexington, Tennessee: 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: 39.3% lower than in Q1 2026, at $14.3M. Within Tennessee, Community Bank, Lexington, Tennessee is 13th of 109 on loan-to-deposit ratio, 100.03% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank, Lexington, Tennessee sits 19.19 points higher, at 100.03% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.3M |
| Fed funds sold and reverse repos | $14.3M |
| Fed funds sold and reverse repos to assets | 4.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $14.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.03% |
| Net loans and leases to deposits | 99.13% |
| Loans and leases to core deposits | 113.61% |
| Core deposits to total deposits | 73.15% |
| Brokered deposits to total deposits | 15.49% |
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 | 97.67% | 80.40% | $0 | $2.0M |
| Q4 2023 | 97.55% | 81.02% | $0 | $3.0M |
| Q1 2024 | 98.78% | 78.12% | $0 | $7.0M |
| Q2 2024 | 95.35% | 78.70% | $0 | $7.0M |
| Q3 2024 | 100.77% | 77.91% | $0 | $8.0M |
| Q4 2024 | 98.41% | 69.79% | $0 | $7.0M |
| Q1 2025 | 92.85% | 72.27% | $0 | $5.0M |
| Q2 2025 | 96.45% | 73.72% | $0 | $9.0M |
| Q3 2025 | 95.76% | 72.14% | $0 | $12.0M |
| Q4 2025 | 98.64% | 75.12% | $0 | $14.0M |
| Q1 2026 | 98.06% | 73.72% | $0 | $16.0M |
| Q2 2026 | 100.03% | 73.15% | $0 | $14.0M |
Community Bank, Lexington, Tennessee liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank, Lexington, Tennessee, 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 Community Bank, Lexington, Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31272) · FFIEC NIC profile (RSSD 361279)