Home Federal 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: 4.91 percentage points higher than in Q1 2026, at 79.27%. Home Federal Bank of Tennessee ranks 86th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 70.42% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Home Federal Bank of Tennessee sits 17.78 points lower, at 70.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $50.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $1.17B |
| 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 | $96.5M |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.42% |
| Net loans and leases to deposits | 69.80% |
| Loans and leases to core deposits | 79.27% |
| Core deposits to total deposits | 88.84% |
| 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 | 56.68% | 90.30% | $78.0M | $71.0M |
| Q4 2023 | 57.39% | 89.77% | $78.5M | $77.0M |
| Q1 2024 | 59.28% | 89.16% | $73.6M | $800.0M |
| Q2 2024 | 58.36% | 88.59% | $75.5M | $800.0M |
| Q3 2024 | 59.20% | 88.70% | $66.8M | $250.0M |
| Q4 2024 | 58.90% | 88.99% | $71.7M | $25.0M |
| Q1 2025 | 59.67% | 89.06% | $76.0M | $60.0M |
| Q2 2025 | 61.99% | 88.81% | $78.3M | $40.0M |
| Q3 2025 | 63.87% | 88.99% | $89.1M | $0 |
| Q4 2025 | 65.08% | 89.19% | $83.7M | $0 |
| Q1 2026 | 66.34% | 89.21% | $79.5M | $0 |
| Q2 2026 | 70.42% | 88.84% | $96.5M | $15.0M |
Home Federal 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 Home Federal 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 Home Federal Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29683) · FFIEC NIC profile (RSSD 105473)