Lawrence 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 dropped 41.2% in Q2 2026, from $112.7M to $66.3M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Lawrence Bank is 44th of 109 on loan-to-deposit ratio, 86.38% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Lawrence Bank reported 86.38% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $239.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $505.4M |
| Fed funds sold and reverse repos | $66.3M |
| Fed funds sold and reverse repos to assets | 2.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $16.7M |
| 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 | 86.38% |
| Net loans and leases to deposits | 85.64% |
| Loans and leases to core deposits | 93.30% |
| Core deposits to total deposits | 91.69% |
| Brokered deposits to total deposits | 0.90% |
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 | 78.12% | 91.17% | $0 | $7.6M |
| Q4 2023 | 78.91% | 90.21% | $0 | $50.7M |
| Q1 2024 | 77.85% | 90.38% | $0 | $53.8M |
| Q2 2024 | 78.23% | 89.89% | $0 | $13.8M |
| Q3 2024 | 79.85% | 90.21% | $0 | $13.7M |
| Q4 2024 | 82.79% | 91.40% | $0 | $13.6M |
| Q1 2025 | 80.98% | 90.93% | $0 | $13.5M |
| Q2 2025 | 79.02% | 91.06% | $0 | $13.4M |
| Q3 2025 | 81.72% | 90.98% | $0 | $13.4M |
| Q4 2025 | 85.37% | 90.87% | $0 | $13.3M |
| Q1 2026 | 86.57% | 91.92% | $0 | $17.5M |
| Q2 2026 | 86.38% | 91.69% | $0 | $16.7M |
Lawrence Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lawrence 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 Lawrence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22451) · FFIEC NIC profile (RSSD 774132)