Studio 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.
Core deposits to total deposits dropped 12.27 percentage points in Q2 2026, from 80.95% to 68.68%. It was the largest change from Q1 2026 among the key lines here. Studio Bank ranks 36th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 88.47% (Q2 2026). At 88.47%, Studio Bank'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 | $60.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $257.9M |
| 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 | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.47% |
| Net loans and leases to deposits | 87.44% |
| Loans and leases to core deposits | 90.23% |
| Core deposits to total deposits | 68.68% |
| Brokered deposits to total deposits | 29.37% |
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 | 88.98% | 67.29% | $0 | $20.0M |
| Q4 2023 | 98.75% | 78.35% | $0 | $128.0M |
| Q1 2024 | 98.83% | 79.65% | $0 | $131.0M |
| Q2 2024 | 98.07% | 81.11% | $0 | $114.0M |
| Q3 2024 | 94.01% | 78.56% | $0 | $103.0M |
| Q4 2024 | 89.81% | 79.16% | $0 | $70.0M |
| Q1 2025 | 83.59% | 75.83% | $0 | $20.0M |
| Q2 2025 | 94.72% | 82.13% | $0 | $110.0M |
| Q3 2025 | 80.65% | 87.87% | $0 | $40.0M |
| Q4 2025 | 89.25% | 84.55% | $0 | $40.0M |
| Q1 2026 | 86.60% | 80.95% | $0 | $40.0M |
| Q2 2026 | 88.47% | 68.68% | $0 | $40.0M |
Studio Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Studio 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 Studio Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59112) · FFIEC NIC profile (RSSD 5205819)