Insouth 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.
Other borrowed money climbed 265.5% in Q2 2026, from $10.6M to $38.7M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Insouth Bank is 33rd of 109 on loan-to-deposit ratio, 91.35% as of Q2 2026, above the middle of the field. Insouth Bank reported 91.35% on loan-to-deposit ratio for Q2 2026, 10.51 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $86.1M |
| Fed funds sold and reverse repos | $40K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $38.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.35% |
| Net loans and leases to deposits | 90.33% |
| Loans and leases to core deposits | 100.21% |
| Core deposits to total deposits | 91.16% |
| 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 | 85.82% | 93.21% | $0 | $0 |
| Q4 2023 | 85.84% | 92.83% | $0 | $0 |
| Q1 2024 | 83.35% | 92.73% | $0 | $0 |
| Q2 2024 | 85.83% | 92.71% | $0 | $4.6M |
| Q3 2024 | 86.89% | 92.23% | $0 | $12.8M |
| Q4 2024 | 85.68% | 92.32% | $150K | $8.8M |
| Q1 2025 | 82.56% | 92.09% | $0 | $0 |
| Q2 2025 | 84.90% | 91.78% | $3.6M | $0 |
| Q3 2025 | 90.22% | 91.50% | $0 | $30.7M |
| Q4 2025 | 89.64% | 91.68% | $0 | $23.5M |
| Q1 2026 | 86.63% | 91.59% | $0 | $10.6M |
| Q2 2026 | 91.35% | 91.16% | $0 | $38.7M |
Insouth Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Insouth 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 Insouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22020) · FFIEC NIC profile (RSSD 329550)