First Horizon 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 Other borrowed money: 52.6% lower than in Q1 2026, at $1.02B. Within Tennessee, First Horizon Bank is 20th of 109 on loan-to-deposit ratio, 95.71% as of Q2 2026, above the middle of the field. First Horizon Bank reported 95.71% on loan-to-deposit ratio for Q2 2026, 8.88 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.28B |
| Cash and noninterest-bearing balances to assets | 2.61% |
| Cash and securities | $11.34B |
| Fed funds sold and reverse repos | $594.4M |
| Fed funds sold and reverse repos to assets | 0.71% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.16B |
| Other borrowed money | $1.02B |
| Subordinated notes and debentures | $495.5M |
| Other borrowed money to assets | 1.21% |
| Trading liabilities | $666.6M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.71% |
| Net loans and leases to deposits | 94.68% |
| Loans and leases to core deposits | 98.71% |
| Core deposits to total deposits | 85.58% |
| Brokered deposits to total deposits | 11.39% |
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 | 91.79% | 91.79% | $2.02B | $659.3M |
| Q4 2023 | 92.72% | 93.36% | $2.22B | $485.3M |
| Q1 2024 | 93.25% | 92.78% | $2.14B | $739.6M |
| Q2 2024 | 96.72% | 92.06% | $2.57B | $2.13B |
| Q3 2024 | 93.40% | 90.49% | $1.91B | $884.0M |
| Q4 2024 | 95.02% | 91.29% | $2.35B | $1.25B |
| Q1 2025 | 96.21% | 92.94% | $2.57B | $1.42B |
| Q2 2025 | 96.00% | 90.69% | $3.20B | $460.4M |
| Q3 2025 | 96.15% | 91.14% | $2.68B | $1.78B |
| Q4 2025 | 94.82% | 88.66% | $3.01B | $419.2M |
| Q1 2026 | 96.64% | 89.46% | $2.19B | $2.15B |
| Q2 2026 | 95.71% | 85.58% | $2.16B | $1.02B |
First Horizon Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Horizon 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 Horizon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4977) · FFIEC NIC profile (RSSD 485559)