First Peoples 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 Fed funds sold and reverse repos: 62.4% lower than in Q1 2026, at $3.5M. First Peoples Bank of Tennessee ranks 48th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 85.03% (Q2 2026). First Peoples Bank of Tennessee reported 85.03% on loan-to-deposit ratio for Q2 2026, 4.19 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 | $14.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.0M |
| Fed funds sold and reverse repos | $3.5M |
| Fed funds sold and reverse repos to assets | 1.62% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $8.3M |
| 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 | 85.03% |
| Net loans and leases to deposits | 83.29% |
| Loans and leases to core deposits | 86.82% |
| Core deposits to total deposits | 90.00% |
| Brokered deposits to total deposits | 7.93% |
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 | 74.64% | 97.63% | $8.2M | $0 |
| Q4 2023 | 72.87% | 97.69% | $6.2M | $0 |
| Q1 2024 | 71.36% | 96.76% | $6.9M | $0 |
| Q2 2024 | 73.63% | 96.01% | $5.8M | $0 |
| Q3 2024 | 78.08% | 96.40% | $6.9M | $3.5M |
| Q4 2024 | 75.85% | 96.96% | $6.2M | $0 |
| Q1 2025 | 75.47% | 91.81% | $7.2M | $0 |
| Q2 2025 | 78.53% | 91.66% | $7.1M | $0 |
| Q3 2025 | 76.71% | 90.16% | $6.5M | $0 |
| Q4 2025 | 75.40% | 90.13% | $8.8M | $0 |
| Q1 2026 | 81.48% | 90.16% | $9.7M | $0 |
| Q2 2026 | 85.03% | 90.00% | $8.3M | $0 |
First Peoples 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 Peoples 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 Peoples Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21874) · FFIEC NIC profile (RSSD 421539)