Security Bank and Trust Company: 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 sold and reverse repos: 100.0% lower than in Q1 2026, at $0. Within Tennessee, Security Bank and Trust Company is 53rd of 109 on loan-to-deposit ratio, 84.00% as of Q2 2026, above the middle of the field. Security Bank and Trust Company reported 84.00% on loan-to-deposit ratio for Q2 2026, 4.20 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $401.8M |
| 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 | $15.0M |
| Other borrowed money | $55.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.00% |
| Net loans and leases to deposits | 83.78% |
| Loans and leases to core deposits | 87.89% |
| Core deposits to total deposits | 81.71% |
| Brokered deposits to total deposits | 13.86% |
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 | 75.30% | 82.29% | $0 | $20.1M |
| Q4 2023 | 76.98% | 82.02% | $0 | $26.1M |
| Q1 2024 | 77.11% | 81.90% | $0 | $30.8M |
| Q2 2024 | 81.26% | 81.15% | $0 | $45.7M |
| Q3 2024 | 83.31% | 81.68% | $0 | $55.7M |
| Q4 2024 | 75.05% | 84.29% | $0 | $55.7M |
| Q1 2025 | 77.42% | 88.31% | $0 | $55.7M |
| Q2 2025 | 82.04% | 88.12% | $9.0M | $65.7M |
| Q3 2025 | 81.36% | 86.98% | $0 | $55.7M |
| Q4 2025 | 82.27% | 89.17% | $0 | $55.6M |
| Q1 2026 | 85.15% | 85.95% | $0 | $55.6M |
| Q2 2026 | 84.00% | 81.71% | $15.0M | $55.6M |
Security Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9172) · FFIEC NIC profile (RSSD 118156)