First Freedom 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: 3.57 percentage points higher than in Q1 2026, at 114.08%. First Freedom Bank ranks 16th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 96.85% (Q2 2026). First Freedom Bank reported 96.85% on loan-to-deposit ratio for Q2 2026, 15.91 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $70.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $95.2M |
| 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 | $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 | 96.85% |
| Net loans and leases to deposits | 95.78% |
| Loans and leases to core deposits | 114.08% |
| Core deposits to total deposits | 74.10% |
| Brokered deposits to total deposits | 10.80% |
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 | 94.05% | 81.45% | $0 | $3.3M |
| Q4 2023 | 90.78% | 79.06% | $0 | $3.3M |
| Q1 2024 | 92.38% | 77.43% | $0 | $3.3M |
| Q2 2024 | 94.64% | 78.62% | $0 | $3.3M |
| Q3 2024 | 91.08% | 74.69% | $0 | $0 |
| Q4 2024 | 87.20% | 75.23% | $0 | $0 |
| Q1 2025 | 87.44% | 74.57% | $0 | $0 |
| Q2 2025 | 92.12% | 77.00% | $0 | $0 |
| Q3 2025 | 99.07% | 79.65% | $13.9M | $0 |
| Q4 2025 | 97.46% | 74.60% | $13.0M | $0 |
| Q1 2026 | 96.72% | 74.52% | $0 | $0 |
| Q2 2026 | 96.85% | 74.10% | $0 | $0 |
First Freedom Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Freedom 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 Freedom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58208) · FFIEC NIC profile (RSSD 3437148)