Insbank: 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 Fed funds sold and reverse repos: 94.7% lower than in Q1 2026, at $1.3M. On loan-to-deposit ratio, Insbank ranks 10th highest among the 109 banks headquartered in Tennessee, at 100.91% (Q2 2026). Insbank reported 100.91% on loan-to-deposit ratio for Q2 2026, 12.71 points above 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 | $23.9M |
| Cash and noninterest-bearing balances to assets | 2.09% |
| Cash and securities | $119.6M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 0.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $55.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.91% |
| Net loans and leases to deposits | 99.65% |
| Loans and leases to core deposits | 106.83% |
| Core deposits to total deposits | 72.35% |
| Brokered deposits to total deposits | 22.11% |
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 | 102.35% | 80.55% | $0 | $53.0M |
| Q4 2023 | 99.32% | 80.67% | $0 | $45.0M |
| Q1 2024 | 100.84% | 76.91% | $0 | $45.0M |
| Q2 2024 | 100.70% | 77.59% | $0 | $45.0M |
| Q3 2024 | 97.71% | 77.44% | $0 | $42.0M |
| Q4 2024 | 101.88% | 72.23% | $0 | $44.0M |
| Q1 2025 | 99.66% | 72.11% | $0 | $37.8M |
| Q2 2025 | 99.74% | 74.64% | $0 | $34.0M |
| Q3 2025 | 97.15% | 76.60% | $0 | $14.0M |
| Q4 2025 | 96.23% | 75.47% | $0 | $39.0M |
| Q1 2026 | 96.89% | 75.47% | $0 | $39.0M |
| Q2 2026 | 100.91% | 72.35% | $0 | $55.0M |
Insbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Insbank, 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 Insbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35521) · FFIEC NIC profile (RSSD 2877345)