First 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 climbed 3.51 percentage points in Q2 2026, from 79.03% to 82.54%. It was the largest change from Q1 2026 among the key lines here. First Federal Bank ranks 87th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 70.17% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Federal Bank sits 18.03 points lower, at 70.17% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $137.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $390.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.63% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.17% |
| Net loans and leases to deposits | 68.80% |
| Loans and leases to core deposits | 82.54% |
| Core deposits to total deposits | 85.02% |
| 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 | 67.23% | 89.47% | $0 | $10.3M |
| Q4 2023 | 67.15% | 88.36% | $0 | $9.8M |
| Q1 2024 | 66.92% | 89.44% | $0 | $9.5M |
| Q2 2024 | 66.74% | 89.07% | $0 | $9.3M |
| Q3 2024 | 65.24% | 87.86% | $0 | $9.0M |
| Q4 2024 | 66.52% | 87.32% | $0 | $8.7M |
| Q1 2025 | 66.33% | 88.18% | $0 | $8.4M |
| Q2 2025 | 63.65% | 88.48% | $0 | $8.1M |
| Q3 2025 | 64.55% | 83.92% | $0 | $7.8M |
| Q4 2025 | 65.75% | 83.86% | $0 | $7.6M |
| Q1 2026 | 67.53% | 85.45% | $0 | $7.3M |
| Q2 2026 | 70.17% | 85.02% | $0 | $7.0M |
First Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29782) · FFIEC NIC profile (RSSD 220974)