Decatur 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.
Fed funds sold and reverse repos climbed 142.4% in Q2 2026, from $3.6M to $8.7M. It was the largest change from Q1 2026 among the key lines here. Decatur County Bank ranks 38th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 87.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Decatur County Bank sits 6.55 points higher, at 87.38% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.5M |
| Fed funds sold and reverse repos | $8.7M |
| Fed funds sold and reverse repos to assets | 2.68% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $859K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.38% |
| Net loans and leases to deposits | 86.53% |
| Loans and leases to core deposits | 99.14% |
| Core deposits to total deposits | 82.56% |
| Brokered deposits to total deposits | 5.58% |
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 | 88.39% | 86.87% | $0 | $7.2M |
| Q4 2023 | 88.22% | 88.56% | $0 | $4.9M |
| Q1 2024 | 85.47% | 88.44% | $0 | $4.8M |
| Q2 2024 | 87.73% | 88.68% | $0 | $4.8M |
| Q3 2024 | 88.60% | 89.19% | $0 | $4.7M |
| Q4 2024 | 87.59% | 88.60% | $0 | $3.2M |
| Q1 2025 | 89.03% | 88.15% | $0 | $3.1M |
| Q2 2025 | 89.13% | 83.67% | $25K | $2.1M |
| Q3 2025 | 91.48% | 83.47% | $0 | $4.0M |
| Q4 2025 | 90.98% | 82.58% | $0 | $2.0M |
| Q1 2026 | 87.08% | 83.07% | $0 | $904K |
| Q2 2026 | 87.38% | 82.56% | $0 | $859K |
Decatur County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Decatur 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 Decatur County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6101) · FFIEC NIC profile (RSSD 66154)