Southern Bank of Tennessee: 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 Loan-to-deposit ratio: 5.25 percentage points lower than in Q1 2026, at 84.02%. Within Tennessee, Southern Bank of Tennessee is 52nd of 109 on loan-to-deposit ratio, 84.02% as of Q2 2026, above the middle of the field. Southern Bank of Tennessee reported 84.02% on loan-to-deposit ratio for Q2 2026, 3.18 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 | $38.5M |
| Cash and noninterest-bearing balances to assets | 7.22% |
| Cash and securities | $113.4M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.02% |
| Net loans and leases to deposits | 83.28% |
| Loans and leases to core deposits | 111.87% |
| Core deposits to total deposits | 75.10% |
| Brokered deposits to total deposits | 4.58% |
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 | 81.00% | 82.24% | $0 | $10.0M |
| Q4 2023 | 80.92% | 81.04% | $0 | $15.0M |
| Q1 2024 | 78.88% | 80.40% | $0 | $25.0M |
| Q2 2024 | 79.31% | 79.33% | $0 | $25.0M |
| Q3 2024 | 81.76% | 77.96% | $0 | $10.0M |
| Q4 2024 | 82.27% | 78.18% | $0 | $17.0M |
| Q1 2025 | 86.87% | 78.06% | $0 | $14.5M |
| Q2 2025 | 88.32% | 77.79% | $0 | $12.0M |
| Q3 2025 | 89.35% | 77.75% | $0 | $10.0M |
| Q4 2025 | 89.43% | 76.74% | $0 | $10.0M |
| Q1 2026 | 89.27% | 76.85% | $0 | $10.0M |
| Q2 2026 | 84.02% | 75.10% | $0 | $10.0M |
Southern Bank of Tennessee liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Bank of Tennessee, 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 Southern Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34847) · FFIEC NIC profile (RSSD 2793593)