Elizabethton Federal Savings 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.67 percentage points higher than in Q1 2026, at 105.34%. Elizabethton Federal Savings Bank ranks 27th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 94.82% (Q2 2026). Elizabethton Federal Savings Bank reported 94.82% on loan-to-deposit ratio for Q2 2026, 13.98 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 | $39.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $141.2M |
| Fed funds sold and reverse repos | $20.3M |
| Fed funds sold and reverse repos to assets | 6.22% |
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 | 94.82% |
| Net loans and leases to deposits | 94.03% |
| Loans and leases to core deposits | 105.34% |
| Core deposits to total deposits | 90.02% |
| 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 | 77.96% | 89.31% | $0 | $0 |
| Q4 2023 | 82.63% | 89.87% | $0 | $0 |
| Q1 2024 | 83.01% | 89.25% | $0 | $0 |
| Q2 2024 | 84.19% | 89.24% | $0 | $0 |
| Q3 2024 | 82.79% | 89.05% | $0 | $0 |
| Q4 2024 | 86.24% | 90.52% | $0 | $0 |
| Q1 2025 | 88.18% | 90.46% | $0 | $0 |
| Q2 2025 | 89.58% | 90.76% | $0 | $0 |
| Q3 2025 | 91.76% | 90.54% | $0 | $0 |
| Q4 2025 | 95.49% | 90.43% | $0 | $0 |
| Q1 2026 | 93.46% | 90.15% | $0 | $0 |
| Q2 2026 | 94.82% | 90.02% | $0 | $0 |
Elizabethton Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Elizabethton Federal Savings 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 Elizabethton Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29904) · FFIEC NIC profile (RSSD 17978)