First Community Bank of 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.
Cash and balances due from depository institutions climbed 207.4% in Q2 2026, from $26.5M to $81.3M. It was the largest change from Q1 2026 among the key lines here. First Community Bank of Tennessee ranks 12th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 100.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Community Bank of Tennessee sits 19.81 points higher, at 100.76% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $81.3M |
| Cash and noninterest-bearing balances to assets | 5.88% |
| Cash and securities | $163.5M |
| Fed funds sold and reverse repos | $25.9M |
| Fed funds sold and reverse repos to assets | 2.74% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $127.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.76% |
| Net loans and leases to deposits | 100.29% |
| Loans and leases to core deposits | 113.79% |
| Core deposits to total deposits | 60.16% |
| Brokered deposits to total deposits | 28.39% |
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 | 104.29% | 62.51% | $4.4M | $101.4M |
| Q4 2023 | 102.76% | 62.27% | $3.3M | $111.1M |
| Q1 2024 | 98.18% | 58.54% | $3.9M | $102.1M |
| Q2 2024 | 99.87% | 56.40% | $3.4M | $97.0M |
| Q3 2024 | 103.37% | 61.48% | $3.8M | $119.1M |
| Q4 2024 | 99.82% | 61.90% | $3.1M | $102.3M |
| Q1 2025 | 96.01% | 59.08% | $16.6M | $28.0M |
| Q2 2025 | 99.16% | 58.37% | $2.9M | $82.3M |
| Q3 2025 | 98.87% | 59.87% | $1.1M | $77.4M |
| Q4 2025 | 101.23% | 57.06% | $0 | $84.2M |
| Q1 2026 | 103.68% | 56.22% | $1.7M | $91.1M |
| Q2 2026 | 100.76% | 60.16% | $0 | $127.8M |
First Community Bank of Tennessee liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of 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 First Community Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27211) · FFIEC NIC profile (RSSD 1188772)