Newport Federal 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.35 percentage points higher than in Q1 2026, at 65.86%. Newport Federal Bank has the 6th lowest loan-to-deposit ratio of the 109 banks headquartered in Tennessee, at 52.72% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Newport Federal Bank sits 28.23 points lower, at 52.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $135.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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 | 52.72% |
| Net loans and leases to deposits | 52.07% |
| Loans and leases to core deposits | 65.86% |
| Core deposits to total deposits | 80.05% |
| 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 | 47.20% | 81.87% | $0 | $0 |
| Q4 2023 | 48.54% | 80.80% | $0 | $0 |
| Q1 2024 | 47.53% | 80.62% | $0 | $0 |
| Q2 2024 | 47.88% | 80.42% | $0 | $0 |
| Q3 2024 | 48.68% | 79.83% | $0 | $0 |
| Q4 2024 | 48.93% | 79.17% | $0 | $0 |
| Q1 2025 | 49.43% | 79.85% | $0 | $0 |
| Q2 2025 | 49.90% | 79.56% | $0 | $0 |
| Q3 2025 | 49.89% | 79.68% | $0 | $0 |
| Q4 2025 | 51.43% | 79.54% | $0 | $0 |
| Q1 2026 | 51.18% | 80.58% | $0 | $0 |
| Q2 2026 | 52.72% | 80.05% | $0 | $0 |
Newport Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Newport Federal 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 Newport Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29089) · FFIEC NIC profile (RSSD 894272)