Putnam 1st Mercantile 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 Cash and balances due from depository institutions: 46.7% lower than in Q1 2026, at $4.1M. Within Tennessee, Putnam 1st Mercantile Bank is 29th of 109 on loan-to-deposit ratio, 93.10% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Putnam 1st Mercantile Bank sits 12.27 points higher, at 93.10% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.8M |
| Fed funds sold and reverse repos | $283K |
| Fed funds sold and reverse repos to assets | 0.16% |
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 | 93.10% |
| Net loans and leases to deposits | 91.76% |
| Loans and leases to core deposits | 119.93% |
| Core deposits to total deposits | 72.62% |
| Brokered deposits to total deposits | 5.01% |
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 | 88.53% | 84.60% | $1.6M | $0 |
| Q4 2023 | 86.06% | 78.95% | $0 | $0 |
| Q1 2024 | 87.34% | 75.40% | $0 | $0 |
| Q2 2024 | 87.55% | 74.44% | $0 | $0 |
| Q3 2024 | 87.48% | 75.64% | $0 | $0 |
| Q4 2024 | 83.36% | 77.90% | $0 | $0 |
| Q1 2025 | 86.94% | 78.52% | $0 | $0 |
| Q2 2025 | 90.55% | 78.96% | $0 | $0 |
| Q3 2025 | 88.94% | 74.66% | $0 | $0 |
| Q4 2025 | 93.06% | 66.53% | $325K | $0 |
| Q1 2026 | 90.29% | 71.80% | $0 | $0 |
| Q2 2026 | 93.10% | 72.62% | $0 | $0 |
Putnam 1st Mercantile Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Putnam 1st Mercantile 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 Putnam 1st Mercantile Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58079) · FFIEC NIC profile (RSSD 3393851)