Macon Bank and Trust Company: 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 climbed 3.53 percentage points in Q2 2026, from 86.44% to 89.96%. It was the largest change from Q1 2026 among the key lines here. Macon Bank and Trust Company ranks 90th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 68.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Macon Bank and Trust Company sits 12.58 points lower, at 68.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $61.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $270.4M |
| Fed funds sold and reverse repos | $48.2M |
| Fed funds sold and reverse repos to assets | 5.87% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 68.36% |
| Net loans and leases to deposits | 67.75% |
| Loans and leases to core deposits | 89.96% |
| Core deposits to total deposits | 75.99% |
| 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 | 58.44% | 84.50% | $0 | $20.9M |
| Q4 2023 | 59.07% | 83.30% | $0 | $10.8M |
| Q1 2024 | 58.28% | 78.41% | $0 | $10.6M |
| Q2 2024 | 60.95% | 77.43% | $0 | $10.5M |
| Q3 2024 | 61.66% | 77.23% | $0 | $10.4M |
| Q4 2024 | 64.02% | 77.20% | $0 | $10.3M |
| Q1 2025 | 63.04% | 77.41% | $0 | $216K |
| Q2 2025 | 66.00% | 76.67% | $0 | $162K |
| Q3 2025 | 67.23% | 74.71% | $0 | $109K |
| Q4 2025 | 68.00% | 75.07% | $0 | $54K |
| Q1 2026 | 65.89% | 76.22% | $0 | $0 |
| Q2 2026 | 68.36% | 75.99% | $0 | $0 |
Macon Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Macon Bank and Trust Company, 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 Macon Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6091) · FFIEC NIC profile (RSSD 709639)