Security Federal Savings Bank of McMinnville: 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 Loans and leases to core deposits: 3.84 percentage points higher than in Q1 2026, at 113.43%. Within Tennessee, Security Federal Savings Bank of McMinnville is 18th of 109 on loan-to-deposit ratio, 95.87% as of Q2 2026, above the middle of the field. Security Federal Savings Bank of McMinnville reported 95.87% on loan-to-deposit ratio for Q2 2026, 15.03 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.2M |
| Cash and noninterest-bearing balances to assets | 7.82% |
| Cash and securities | $61.7M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.87% |
| Net loans and leases to deposits | 94.98% |
| Loans and leases to core deposits | 113.43% |
| Core deposits to total deposits | 84.52% |
| 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 | 85.64% | 88.52% | $0 | $0 |
| Q4 2023 | 82.05% | 87.93% | $0 | $0 |
| Q1 2024 | 80.22% | 87.47% | $0 | $0 |
| Q2 2024 | 85.67% | 86.09% | $0 | $12.0M |
| Q3 2024 | 86.82% | 85.48% | $3.0M | $0 |
| Q4 2024 | 83.24% | 86.35% | $0 | $0 |
| Q1 2025 | 79.59% | 85.49% | $0 | $0 |
| Q2 2025 | 83.22% | 83.33% | $0 | $0 |
| Q3 2025 | 90.34% | 82.98% | $4.0M | $0 |
| Q4 2025 | 95.49% | 84.31% | $9.0M | $10.0M |
| Q1 2026 | 93.83% | 85.62% | $0 | $0 |
| Q2 2026 | 95.87% | 84.52% | $0 | $10.0M |
Security Federal Savings Bank of McMinnville liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Federal Savings Bank of McMinnville, 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 Federal Savings Bank of McMinnville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31146) · FFIEC NIC profile (RSSD 631178)