Patriot 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.
Cash and balances due from depository institutions climbed 138.6% in Q2 2026, from $15.3M to $36.4M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Patriot Bank is 98th of 109 on loan-to-deposit ratio, 63.40% as of Q2 2026, below the middle of the field. Patriot Bank reported 63.40% on loan-to-deposit ratio for Q2 2026, 17.44 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $172.1M |
| Fed funds sold and reverse repos | $15.5M |
| Fed funds sold and reverse repos to assets | 3.44% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $4.0M |
| 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 | 63.40% |
| Net loans and leases to deposits | 62.77% |
| Loans and leases to core deposits | 74.69% |
| Core deposits to total deposits | 84.89% |
| 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 | 60.86% | 84.49% | $24.1M | $0 |
| Q4 2023 | 60.34% | 85.47% | $16.8M | $0 |
| Q1 2024 | 58.98% | 82.54% | $16.8M | $0 |
| Q2 2024 | 63.80% | 83.18% | $19.5M | $0 |
| Q3 2024 | 62.20% | 83.08% | $8.1M | $0 |
| Q4 2024 | 59.58% | 84.40% | $7.7M | $0 |
| Q1 2025 | 58.29% | 86.25% | $6.5M | $0 |
| Q2 2025 | 60.69% | 85.09% | $8.2M | $0 |
| Q3 2025 | 63.70% | 84.39% | $9.0M | $0 |
| Q4 2025 | 63.14% | 85.44% | $5.5M | $0 |
| Q1 2026 | 64.46% | 85.24% | $3.4M | $0 |
| Q2 2026 | 63.40% | 84.89% | $4.0M | $0 |
Patriot Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriot 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 Patriot Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57416) · FFIEC NIC profile (RSSD 3120646)