First National Bank of Pulaski: 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 335.4% in Q2 2026, from $1.2M to $5.2M. It was the largest change from Q1 2026 among the key lines here. First National Bank of Pulaski ranks 72nd of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 77.26% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First National Bank of Pulaski sits 10.94 points lower, at 77.26% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $153.5M |
| Cash and noninterest-bearing balances to assets | 9.89% |
| Cash and securities | $426.5M |
| Fed funds sold and reverse repos | $5.2M |
| Fed funds sold and reverse repos to assets | 0.35% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.4M |
| 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 | 77.26% |
| Net loans and leases to deposits | 76.26% |
| Loans and leases to core deposits | 87.81% |
| Core deposits to total deposits | 87.99% |
| 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 | 73.32% | 87.24% | $3.0M | $0 |
| Q4 2023 | 74.18% | 88.11% | $2.7M | $0 |
| Q1 2024 | 72.12% | 87.84% | $2.0M | $0 |
| Q2 2024 | 73.99% | 88.05% | $1.8M | $0 |
| Q3 2024 | 75.88% | 87.74% | $1.8M | $0 |
| Q4 2024 | 76.01% | 89.39% | $2.2M | $0 |
| Q1 2025 | 75.73% | 89.33% | $1.4M | $0 |
| Q2 2025 | 76.95% | 89.10% | $1.1M | $0 |
| Q3 2025 | 78.57% | 87.63% | $1.3M | $0 |
| Q4 2025 | 75.48% | 88.16% | $1.9M | $0 |
| Q1 2026 | 75.25% | 88.24% | $1.4M | $0 |
| Q2 2026 | 77.26% | 87.99% | $1.4M | $0 |
First National Bank of Pulaski 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 Pulaski, 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 Pulaski profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15572) · FFIEC NIC profile (RSSD 972732)