Highland Federal Savings & Loan Association: 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 largest change between Q1 2026 and Q2 2026 was in Net loans and leases to deposits, which fell 0.74 percentage points to 62.49%. On loan-to-deposit ratio, Highland Federal Savings & Loan Association is 11th from the bottom among 109 Tennessee banks, 62.94% (Q2 2026). Highland Federal Savings & Loan Association reported 62.94% on loan-to-deposit ratio for Q2 2026, 4.69 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.7M |
| 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 | 62.94% |
| Net loans and leases to deposits | 62.49% |
| Loans and leases to core deposits | 71.41% |
| Core deposits to total deposits | 88.13% |
| 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 | 56.59% | 92.12% | $0 | $0 |
| Q4 2023 | 63.22% | 91.81% | $0 | $0 |
| Q1 2024 | 65.69% | 91.46% | $0 | $0 |
| Q2 2024 | 63.39% | 90.18% | $0 | $0 |
| Q3 2024 | 65.76% | 90.58% | $0 | $0 |
| Q4 2024 | 64.67% | 89.51% | $0 | $0 |
| Q1 2025 | 63.35% | 88.84% | $0 | $0 |
| Q2 2025 | 62.04% | 88.10% | $0 | $0 |
| Q3 2025 | 63.77% | 87.87% | $0 | $0 |
| Q4 2025 | 64.19% | 87.04% | $0 | $0 |
| Q1 2026 | 63.68% | 88.43% | $0 | $0 |
| Q2 2026 | 62.94% | 88.13% | $0 | $0 |
Highland Federal Savings & Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Highland Federal Savings & Loan Association, 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 Highland Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31232) · FFIEC NIC profile (RSSD 652070)