First National Bank of Middle Tennessee: 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.
Other borrowed money climbed 111.1% in Q2 2026, from $9.0M to $19.0M. It was the largest change from Q1 2026 among the key lines here. First National Bank of Middle Tennessee ranks 23rd of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 95.57% (Q2 2026). First National Bank of Middle Tennessee reported 95.57% on loan-to-deposit ratio for Q2 2026, 14.73 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $108.3M |
| 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 | $19.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.99% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.57% |
| Net loans and leases to deposits | 94.65% |
| Loans and leases to core deposits | 114.22% |
| Core deposits to total deposits | 78.54% |
| Brokered deposits to total deposits | 5.13% |
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 | 94.18% | 84.82% | $1.3M | $39.0M |
| Q4 2023 | 91.45% | 85.10% | $958K | $14.0M |
| Q1 2024 | 92.19% | 84.94% | $0 | $14.0M |
| Q2 2024 | 91.99% | 83.89% | $0 | $14.0M |
| Q3 2024 | 93.69% | 84.20% | $0 | $9.0M |
| Q4 2024 | 88.25% | 84.36% | $0 | $9.0M |
| Q1 2025 | 88.50% | 83.26% | $0 | $9.0M |
| Q2 2025 | 89.44% | 83.57% | $0 | $9.0M |
| Q3 2025 | 89.22% | 81.94% | $0 | $9.0M |
| Q4 2025 | 88.56% | 81.90% | $0 | $9.0M |
| Q1 2026 | 92.91% | 82.05% | $0 | $9.0M |
| Q2 2026 | 95.57% | 78.54% | $0 | $19.0M |
First National Bank of Middle Tennessee 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 of Middle Tennessee, 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 of Middle Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4952) · FFIEC NIC profile (RSSD 87234)