First Commerce 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 Fed funds sold and reverse repos: 38.1% higher than in Q1 2026, at $39.2M. First Commerce Bank ranks 40th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 86.99% (Q2 2026). First Commerce Bank reported 86.99% on loan-to-deposit ratio for Q2 2026, 6.44 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $92.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $169.7M |
| Fed funds sold and reverse repos | $39.2M |
| Fed funds sold and reverse repos to assets | 4.19% |
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 | 86.99% |
| Net loans and leases to deposits | 86.24% |
| Loans and leases to core deposits | 112.70% |
| Core deposits to total deposits | 75.43% |
| Brokered deposits to total deposits | 1.76% |
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 | 88.64% | 82.79% | $0 | $0 |
| Q4 2023 | 87.37% | 80.43% | $0 | $0 |
| Q1 2024 | 86.83% | 81.00% | $0 | $0 |
| Q2 2024 | 85.22% | 80.22% | $0 | $0 |
| Q3 2024 | 86.50% | 78.62% | $0 | $0 |
| Q4 2024 | 88.31% | 79.04% | $0 | $0 |
| Q1 2025 | 83.90% | 81.02% | $0 | $0 |
| Q2 2025 | 87.10% | 79.93% | $0 | $0 |
| Q3 2025 | 89.06% | 77.88% | $0 | $0 |
| Q4 2025 | 90.56% | 74.83% | $0 | $0 |
| Q1 2026 | 87.29% | 75.02% | $0 | $0 |
| Q2 2026 | 86.99% | 75.43% | $0 | $0 |
First Commerce Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commerce 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 First Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57465) · FFIEC NIC profile (RSSD 3153297)