First National Bank of 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 0.89 percentage points higher than in Q1 2026, at 64.42%. On loan-to-deposit ratio, First National Bank of Tennessee is 9th from the bottom among 109 Tennessee banks, 59.41% (Q2 2026). First National Bank of Tennessee reported 59.41% on loan-to-deposit ratio for Q2 2026, 28.79 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $141.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $650.2M |
| 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 | $59K |
| 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 | 59.41% |
| Net loans and leases to deposits | 58.63% |
| Loans and leases to core deposits | 64.42% |
| Core deposits to total deposits | 92.22% |
| 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 | 57.89% | 94.23% | $0 | $87K |
| Q4 2023 | 58.38% | 92.94% | $0 | $84K |
| Q1 2024 | 59.17% | 92.67% | $0 | $82K |
| Q2 2024 | 60.37% | 92.48% | $0 | $79K |
| Q3 2024 | 59.81% | 92.70% | $0 | $77K |
| Q4 2024 | 61.55% | 91.55% | $0 | $74K |
| Q1 2025 | 59.11% | 91.93% | $0 | $72K |
| Q2 2025 | 60.86% | 91.73% | $0 | $69K |
| Q3 2025 | 61.41% | 91.47% | $0 | $67K |
| Q4 2025 | 60.28% | 91.22% | $0 | $64K |
| Q1 2026 | 58.56% | 92.17% | $0 | $61K |
| Q2 2026 | 59.41% | 92.22% | $0 | $59K |
First National Bank of 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 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 Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19502) · FFIEC NIC profile (RSSD 283737)