Tennessee State 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.
The standout move of Q2 2026 was in Fed funds purchased and repos: 10.1% lower than in Q1 2026, at $11.9M. Tennessee State Bank ranks 64th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 81.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Tennessee State Bank reported 81.12% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $233.8M |
| 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 | $11.9M |
| 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 | 81.12% |
| Net loans and leases to deposits | 80.23% |
| Loans and leases to core deposits | 88.56% |
| Core deposits to total deposits | 85.55% |
| Brokered deposits to total deposits | 6.04% |
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 | 69.90% | 96.15% | $7.8M | $70.0M |
| Q4 2023 | 77.48% | 96.07% | $6.0M | $73.0M |
| Q1 2024 | 74.44% | 89.60% | $6.6M | $47.0M |
| Q2 2024 | 77.78% | 89.19% | $10.7M | $42.0M |
| Q3 2024 | 76.31% | 89.07% | $10.6M | $17.0M |
| Q4 2024 | 78.58% | 88.73% | $9.8M | $0 |
| Q1 2025 | 78.13% | 86.39% | $11.4M | $0 |
| Q2 2025 | 76.73% | 86.38% | $10.9M | $0 |
| Q3 2025 | 74.50% | 86.44% | $11.9M | $0 |
| Q4 2025 | 81.37% | 85.84% | $12.9M | $0 |
| Q1 2026 | 81.43% | 85.53% | $13.3M | $0 |
| Q2 2026 | 81.12% | 85.55% | $11.9M | $0 |
Tennessee State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tennessee State 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 Tennessee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20720) · FFIEC NIC profile (RSSD 479839)