Harpeth Bank & Trust: 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.
Loans and leases to core deposits climbed 7.96 percentage points in Q2 2026, from 74.39% to 82.35%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Lineage Bank is 80th of 109 on loan-to-deposit ratio, 73.16% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Lineage Bank sits 7.39 points lower, at 73.16% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $72.3M |
| 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 | $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 | 73.16% |
| Net loans and leases to deposits | 71.88% |
| Loans and leases to core deposits | 82.35% |
| Core deposits to total deposits | 55.72% |
| Brokered deposits to total deposits | 33.12% |
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 | 68.12% | 42.69% | $0 | $0 |
| Q4 2023 | 54.65% | 45.03% | $0 | $0 |
| Q1 2024 | 45.38% | 33.14% | $0 | $0 |
| Q2 2024 | 53.39% | 33.37% | $0 | $0 |
| Q3 2024 | 63.46% | 41.48% | $0 | $0 |
| Q4 2024 | 57.52% | 43.51% | $0 | $0 |
| Q1 2025 | 62.87% | 52.45% | $0 | $0 |
| Q2 2025 | 65.58% | 53.48% | $0 | $0 |
| Q3 2025 | 65.51% | 54.11% | $0 | $0 |
| Q4 2025 | 69.94% | 54.52% | $0 | $0 |
| Q1 2026 | 66.70% | 54.55% | $0 | $0 |
| Q2 2026 | 73.16% | 55.72% | $0 | $0 |
Harpeth Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Harpeth Bank & Trust, 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 Harpeth Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6100) · FFIEC NIC profile (RSSD 321152)