Independent Bank: 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 dropped 11.23 percentage points in Q2 2026, from 100.04% to 88.81%. It was the largest change from Q1 2026 among the key lines here. Independent Bank ranks 59th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 82.36% (Q2 2026). Independent Bank reported 82.36% on loan-to-deposit ratio for Q2 2026, 5.85 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $109.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $116.8M |
| 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 | $30.0M |
| 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 | 82.36% |
| Net loans and leases to deposits | 81.45% |
| Loans and leases to core deposits | 88.81% |
| Core deposits to total deposits | 62.33% |
| Brokered deposits to total deposits | 30.41% |
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 | 101.80% | 81.29% | $40.0M | $30.0M |
| Q4 2023 | 95.59% | 77.91% | $40.0M | $0 |
| Q1 2024 | 103.45% | 77.80% | $40.0M | $59.0M |
| Q2 2024 | 97.36% | 70.05% | $40.0M | $86.0M |
| Q3 2024 | 94.43% | 71.22% | $40.0M | $12.0M |
| Q4 2024 | 93.21% | 71.97% | $40.0M | $85.5M |
| Q1 2025 | 93.47% | 71.17% | $40.0M | $20.0M |
| Q2 2025 | 83.14% | 61.31% | $0 | $50.2M |
| Q3 2025 | 90.04% | 64.81% | $30.0M | $51.7M |
| Q4 2025 | 88.93% | 67.93% | $0 | $77.0M |
| Q1 2026 | 92.19% | 70.70% | $0 | $53.0M |
| Q2 2026 | 82.36% | 62.33% | $30.0M | $0 |
Independent Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Independent Bank, 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34728) · FFIEC NIC profile (RSSD 2666400)