Financial Federal 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.
Loans and leases to core deposits dropped 2.57 percentage points in Q2 2026, from 148.30% to 145.74%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Financial Federal Bank ranks first in Tennessee on loan-to-deposit ratio among 109 banks, at 122.89%. Financial Federal Bank reported 122.89% on loan-to-deposit ratio for Q2 2026, 34.69 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.6M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 0.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $122.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.86% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.89% |
| Net loans and leases to deposits | 121.96% |
| Loans and leases to core deposits | 145.74% |
| Core deposits to total deposits | 75.60% |
| Brokered deposits to total deposits | 8.73% |
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 | 130.63% | 80.32% | $0 | $136.9M |
| Q4 2023 | 127.23% | 80.42% | $0 | $128.1M |
| Q1 2024 | 127.49% | 80.15% | $0 | $129.0M |
| Q2 2024 | 133.49% | 80.20% | $0 | $171.4M |
| Q3 2024 | 128.62% | 80.68% | $0 | $149.4M |
| Q4 2024 | 128.36% | 80.15% | $0 | $149.3M |
| Q1 2025 | 127.52% | 79.13% | $0 | $143.2M |
| Q2 2025 | 128.72% | 78.87% | $0 | $157.2M |
| Q3 2025 | 124.63% | 79.53% | $0 | $134.6M |
| Q4 2025 | 120.43% | 78.08% | $0 | $103.1M |
| Q1 2026 | 124.86% | 76.80% | $0 | $140.0M |
| Q2 2026 | 122.89% | 75.60% | $0 | $122.0M |
Financial Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Financial Federal 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 Financial Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31840) · FFIEC NIC profile (RSSD 590976)