First Farmers and Commercial 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: 3.01 percentage points lower than in Q1 2026, at 99.74%. Within Tennessee, First Farmers and Commercial Bank is 62nd of 109 on loan-to-deposit ratio, 81.51% as of Q2 2026, below the middle of the field. At 81.51%, First Farmers and Commercial Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.1M |
| Fed funds sold and reverse repos | $19.9M |
| Fed funds sold and reverse repos to assets | 8.80% |
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 | 81.51% |
| Net loans and leases to deposits | 80.34% |
| Loans and leases to core deposits | 99.74% |
| Core deposits to total deposits | 81.72% |
| 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 | 76.66% | 88.25% | $0 | $0 |
| Q4 2023 | 80.88% | 87.46% | $0 | $0 |
| Q1 2024 | 78.71% | 86.18% | $0 | $0 |
| Q2 2024 | 80.90% | 85.58% | $0 | $0 |
| Q3 2024 | 81.50% | 82.22% | $0 | $0 |
| Q4 2024 | 80.85% | 81.07% | $0 | $0 |
| Q1 2025 | 80.72% | 81.76% | $0 | $0 |
| Q2 2025 | 79.20% | 81.27% | $0 | $0 |
| Q3 2025 | 81.05% | 81.76% | $0 | $0 |
| Q4 2025 | 84.65% | 80.80% | $0 | $0 |
| Q1 2026 | 83.63% | 81.39% | $0 | $0 |
| Q2 2026 | 81.51% | 81.72% | $0 | $0 |
First Farmers and Commercial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers and Commercial 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 Farmers and Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4960) · FFIEC NIC profile (RSSD 702836)