Rockpointbank, N.A.: 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: 75.5% higher than in Q1 2026, at $25.0M. Within Tennessee, Rockpointbank, N.A. is 30th of 109 on loan-to-deposit ratio, 93.06% 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. Rockpointbank, N.A. sits 12.22 points higher, at 93.06% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.4M |
| 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 | $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 | 93.06% |
| Net loans and leases to deposits | 92.14% |
| Loans and leases to core deposits | 100.69% |
| Core deposits to total deposits | 78.05% |
| Brokered deposits to total deposits | 14.70% |
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 | 97.49% | 86.24% | $0 | $5.0M |
| Q4 2023 | 101.24% | 86.54% | $0 | $1.0M |
| Q1 2024 | 98.33% | 86.38% | $0 | $10.0M |
| Q2 2024 | 98.27% | 87.47% | $0 | $10.0M |
| Q3 2024 | 97.51% | 85.89% | $0 | $10.0M |
| Q4 2024 | 95.80% | 84.29% | $0 | $10.0M |
| Q1 2025 | 94.81% | 83.28% | $0 | $10.0M |
| Q2 2025 | 97.43% | 84.20% | $0 | $10.0M |
| Q3 2025 | 98.95% | 79.51% | $0 | $10.0M |
| Q4 2025 | 98.33% | 83.24% | $0 | $10.0M |
| Q1 2026 | 95.05% | 81.02% | $0 | $0 |
| Q2 2026 | 93.06% | 78.05% | $0 | $0 |
Rockpointbank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockpointbank, N.A., 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 Rockpointbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59206) · FFIEC NIC profile (RSSD 5574430)