One Bank of Tennessee: 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 purchased and repos climbed 9.7% in Q2 2026, from $12.4M to $13.6M. It was the largest change from Q1 2026 among the key lines here. One Bank of Tennessee ranks 79th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 74.02% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. One Bank of Tennessee sits 14.18 points lower, at 74.02% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $144.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $498.8M |
| 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 | $13.6M |
| Other borrowed money | $22K |
| 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 | 74.02% |
| Net loans and leases to deposits | 73.51% |
| Loans and leases to core deposits | 81.08% |
| Core deposits to total deposits | 91.29% |
| 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 | 67.67% | 92.54% | $11.0M | $77K |
| Q4 2023 | 68.33% | 91.30% | $14.0M | $71K |
| Q1 2024 | 67.93% | 90.96% | $15.1M | $66K |
| Q2 2024 | 68.66% | 90.07% | $14.8M | $56K |
| Q3 2024 | 70.05% | 89.65% | $12.4M | $52K |
| Q4 2024 | 70.02% | 88.79% | $13.0M | $48K |
| Q1 2025 | 70.10% | 89.36% | $11.8M | $44K |
| Q2 2025 | 72.56% | 90.10% | $10.9M | $37K |
| Q3 2025 | 71.84% | 89.79% | $12.9M | $34K |
| Q4 2025 | 72.38% | 91.02% | $14.4M | $30K |
| Q1 2026 | 73.20% | 90.96% | $12.4M | $27K |
| Q2 2026 | 74.02% | 91.29% | $13.6M | $22K |
One Bank of Tennessee liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock One Bank of Tennessee, 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 One Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8432) · FFIEC NIC profile (RSSD 99536)