First National 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.
Fed funds sold and reverse repos climbed 143.9% in Q2 2026, from $1.9M to $4.6M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, First National Bank is 85th of 109 on loan-to-deposit ratio, 70.81% as of Q2 2026. First National Bank reported 70.81% on loan-to-deposit ratio for Q2 2026, 9.75 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $126.5M |
| Fed funds sold and reverse repos | $4.6M |
| Fed funds sold and reverse repos to assets | 1.26% |
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 | 70.81% |
| Net loans and leases to deposits | 68.90% |
| Loans and leases to core deposits | 86.34% |
| Core deposits to total deposits | 82.01% |
| 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 | 64.52% | 86.03% | $0 | $0 |
| Q4 2023 | 68.53% | 83.88% | $0 | $0 |
| Q1 2024 | 65.20% | 83.97% | $0 | $0 |
| Q2 2024 | 67.55% | 83.41% | $0 | $0 |
| Q3 2024 | 69.48% | 82.31% | $0 | $0 |
| Q4 2024 | 68.86% | 82.28% | $0 | $0 |
| Q1 2025 | 66.39% | 82.46% | $0 | $0 |
| Q2 2025 | 68.87% | 82.24% | $0 | $0 |
| Q3 2025 | 69.37% | 81.69% | $0 | $0 |
| Q4 2025 | 68.22% | 82.25% | $0 | $0 |
| Q1 2026 | 68.64% | 82.21% | $0 | $0 |
| Q2 2026 | 70.81% | 82.01% | $0 | $0 |
First National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4958) · FFIEC NIC profile (RSSD 966731)