Paragon 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.
Other borrowed money climbed 173.7% in Q2 2026, from $19.0M to $52.0M. It was the largest change from Q1 2026 among the key lines here. Among 109 Tennessee banks, Paragon Bank sits 2nd from the top on loan-to-deposit ratio, 107.09% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Paragon Bank sits 26.26 points higher, at 107.09% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.3M |
| 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 | $1.8M |
| Other borrowed money | $52.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.09% |
| Net loans and leases to deposits | 106.09% |
| Loans and leases to core deposits | 118.06% |
| Core deposits to total deposits | 81.46% |
| Brokered deposits to total deposits | 9.26% |
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 | 98.96% | 74.32% | $3.3M | $19.0M |
| Q4 2023 | 98.51% | 73.07% | $2.4M | $10.0M |
| Q1 2024 | 95.76% | 78.79% | $2.4M | $0 |
| Q2 2024 | 102.85% | 82.11% | $2.2M | $33.0M |
| Q3 2024 | 104.71% | 75.81% | $2.3M | $37.0M |
| Q4 2024 | 102.08% | 72.78% | $2.3M | $23.0M |
| Q1 2025 | 101.88% | 74.97% | $2.2M | $16.0M |
| Q2 2025 | 96.49% | 77.49% | $2.4M | $0 |
| Q3 2025 | 99.23% | 79.56% | $2.0M | $0 |
| Q4 2025 | 106.66% | 81.68% | $2.0M | $45.0M |
| Q1 2026 | 102.85% | 81.98% | $2.0M | $19.0M |
| Q2 2026 | 107.09% | 81.46% | $1.8M | $52.0M |
Paragon Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Paragon 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 Paragon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57874) · FFIEC NIC profile (RSSD 3288452)