FirstBank: 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 370.9% in Q2 2026, from $33.7M to $158.7M. It was the largest change from Q1 2026 among the key lines here. FirstBank ranks 34th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 90.95% (Q2 2026). FirstBank reported 90.95% on loan-to-deposit ratio for Q2 2026, 4.07 points above the 86.87% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.04B |
| Cash and noninterest-bearing balances to assets | 5.27% |
| Cash and securities | $2.57B |
| Fed funds sold and reverse repos | $228.9M |
| Fed funds sold and reverse repos to assets | 1.37% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $71.5M |
| Other borrowed money | $158.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.95% |
| Net loans and leases to deposits | 89.59% |
| Loans and leases to core deposits | 99.51% |
| Core deposits to total deposits | 86.62% |
| Brokered deposits to total deposits | 4.78% |
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 | 88.14% | 94.10% | $74.7M | $23.4M |
| Q4 2023 | 89.66% | 92.48% | $108.8M | $152.6M |
| Q1 2024 | 89.04% | 92.55% | $78.2M | $152.2M |
| Q2 2024 | 89.80% | 92.98% | $76.8M | $153.6M |
| Q3 2024 | 87.15% | 91.16% | $19.7M | $31.8M |
| Q4 2024 | 86.53% | 91.83% | $13.5M | $32.6M |
| Q1 2025 | 88.51% | 92.27% | $9.8M | $28.4M |
| Q2 2025 | 87.55% | 88.21% | $11.4M | $22.2M |
| Q3 2025 | 90.09% | 89.69% | $107.5M | $22.8M |
| Q4 2025 | 90.33% | 90.35% | $99.9M | $29.2M |
| Q1 2026 | 90.32% | 89.25% | $95.5M | $33.7M |
| Q2 2026 | 90.95% | 86.62% | $71.5M | $158.7M |
FirstBank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FirstBank, 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 FirstBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8663) · FFIEC NIC profile (RSSD 436159)