SmartBank: 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.
Fed funds purchased and repos dropped 81.0% in Q2 2026, from $3.2M to $603K. It was the largest change from Q1 2026 among the key lines here. SmartBank ranks 39th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 87.00% (Q2 2026). At 87.00%, SmartBank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $379.4M |
| Cash and noninterest-bearing balances to assets | 6.12% |
| Cash and securities | $1.06B |
| Fed funds sold and reverse repos | $5.7M |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $603K |
| 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 | 87.00% |
| Net loans and leases to deposits | 86.16% |
| Loans and leases to core deposits | 95.96% |
| Core deposits to total deposits | 88.69% |
| Brokered deposits to total deposits | 1.97% |
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 | 79.51% | 94.15% | $6.1M | $0 |
| Q4 2023 | 80.76% | 94.40% | $5.1M | $0 |
| Q1 2024 | 79.19% | 94.51% | $3.8M | $0 |
| Q2 2024 | 82.74% | 95.01% | $4.7M | $0 |
| Q3 2024 | 86.02% | 89.79% | $4.0M | $0 |
| Q4 2024 | 83.41% | 89.18% | $4.1M | $0 |
| Q1 2025 | 83.00% | 88.39% | $3.6M | $0 |
| Q2 2025 | 84.69% | 87.29% | $3.0M | $0 |
| Q3 2025 | 82.90% | 88.42% | $1.3M | $0 |
| Q4 2025 | 84.74% | 90.37% | $3.0M | $0 |
| Q1 2026 | 87.02% | 91.12% | $3.2M | $0 |
| Q2 2026 | 87.00% | 88.69% | $603K | $0 |
SmartBank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock SmartBank, 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 SmartBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58463) · FFIEC NIC profile (RSSD 3532641)