Security 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.
Loans and leases to core deposits climbed 12.22 percentage points in Q2 2026, from 53.45% to 65.67%. It was the largest change from Q1 2026 among the key lines here. Security Bank has the 7th lowest loan-to-deposit ratio of the 109 banks headquartered in Tennessee, at 55.02% as of Q2 2026. Security Bank reported 55.02% on loan-to-deposit ratio for Q2 2026, 25.53 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $104.5M |
| Fed funds sold and reverse repos | $1.7M |
| Fed funds sold and reverse repos to assets | 0.76% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.2M |
| 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 | 55.02% |
| Net loans and leases to deposits | 54.35% |
| Loans and leases to core deposits | 65.67% |
| Core deposits to total deposits | 83.79% |
| 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 | 35.75% | 91.16% | $10.6M | $0 |
| Q4 2023 | 35.51% | 90.57% | $9.2M | $0 |
| Q1 2024 | 37.93% | 90.01% | $8.0M | $0 |
| Q2 2024 | 40.45% | 91.31% | $7.5M | $0 |
| Q3 2024 | 44.18% | 87.68% | $8.4M | $0 |
| Q4 2024 | 42.71% | 88.58% | $3.8M | $0 |
| Q1 2025 | 44.62% | 89.04% | $5.3M | $0 |
| Q2 2025 | 48.32% | 87.70% | $6.0M | $0 |
| Q3 2025 | 48.01% | 86.33% | $6.9M | $0 |
| Q4 2025 | 47.12% | 90.02% | $7.6M | $0 |
| Q1 2026 | 48.45% | 90.66% | $7.4M | $0 |
| Q2 2026 | 55.02% | 83.79% | $7.2M | $0 |
Security Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2391) · FFIEC NIC profile (RSSD 497851)