Pinnacle 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 Fed funds purchased and repos: 176.0% higher than in Q1 2026, at $849.8M. Pinnacle Bank ranks 41st of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 86.77% (Q2 2026). Pinnacle Bank reported 86.77% on loan-to-deposit ratio for Q2 2026, 5.66 points above the 81.12% median for banks in the $100B-250B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.57B |
| Cash and noninterest-bearing balances to assets | 5.88% |
| Cash and securities | $28.21B |
| Fed funds sold and reverse repos | $67.0M |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $849.8M |
| Other borrowed money | $8.27B |
| Subordinated notes and debentures | $493.8M |
| Other borrowed money to assets | 6.42% |
| Trading liabilities | $167.4M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.77% |
| Net loans and leases to deposits | 85.84% |
| Loans and leases to core deposits | 91.95% |
| Core deposits to total deposits | 80.40% |
| Brokered deposits to total deposits | 14.07% |
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 | 83.36% | 79.21% | $196.0M | $2.11B |
| Q4 2023 | 84.61% | 78.23% | $209.5M | $2.14B |
| Q1 2024 | 84.02% | 78.73% | $201.4M | $2.12B |
| Q2 2024 | 84.99% | 77.94% | $220.9M | $2.11B |
| Q3 2024 | 83.82% | 77.35% | $210.0M | $2.15B |
| Q4 2024 | 82.81% | 78.36% | $230.2M | $1.88B |
| Q1 2025 | 81.13% | 80.28% | $264.0M | $1.89B |
| Q2 2025 | 82.46% | 79.50% | $258.5M | $1.78B |
| Q3 2025 | 82.87% | 81.64% | $325.6M | $1.78B |
| Q4 2025 | 81.99% | 80.79% | $316.4M | $1.79B |
| Q1 2026 | 84.55% | 81.65% | $307.9M | $4.29B |
| Q2 2026 | 86.77% | 80.40% | $849.8M | $8.27B |
Pinnacle Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle 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 Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35583) · FFIEC NIC profile (RSSD 2925666)