The Lauderdale County 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.
Fed funds sold and reverse repos to assets dropped 6.44 percentage points in Q2 2026, from 12.66% to 6.22%. It was the largest change from Q1 2026 among the key lines here. The Lauderdale County Bank has the 4th lowest loan-to-deposit ratio of the 109 banks headquartered in Tennessee, at 51.57% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Lauderdale County Bank sits 16.06 points lower, at 51.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.3M |
| Fed funds sold and reverse repos | $4.2M |
| Fed funds sold and reverse repos to assets | 6.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1K |
| 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 | 51.57% |
| Net loans and leases to deposits | 50.88% |
| Loans and leases to core deposits | 63.82% |
| Core deposits to total deposits | 80.80% |
| Brokered deposits to total deposits | 3.42% |
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 | 48.76% | 85.98% | $0 | $1.0M |
| Q4 2023 | 46.36% | 86.76% | $0 | $3K |
| Q1 2024 | 49.74% | 87.29% | $0 | $3K |
| Q2 2024 | 49.59% | 87.03% | $0 | $3K |
| Q3 2024 | 48.71% | 86.96% | $0 | $2K |
| Q4 2024 | 48.05% | 86.49% | $0 | $2K |
| Q1 2025 | 48.90% | 86.92% | $0 | $2K |
| Q2 2025 | 52.24% | 85.59% | $0 | $2K |
| Q3 2025 | 53.16% | 84.94% | $0 | $2K |
| Q4 2025 | 49.55% | 80.22% | $0 | $1K |
| Q1 2026 | 47.10% | 80.57% | $0 | $1K |
| Q2 2026 | 51.57% | 80.80% | $0 | $1K |
The Lauderdale County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lauderdale County 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 The Lauderdale County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22835) · FFIEC NIC profile (RSSD 82350)