Tnbank: 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 sold and reverse repos: 33.7% lower than in Q1 2026, at $8.7M. Within Tennessee, Tnbank is 49th of 109 on loan-to-deposit ratio, 84.84% as of Q2 2026, above the middle of the field. Tnbank reported 84.84% on loan-to-deposit ratio for Q2 2026, 4.01 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 | $26.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.9M |
| Fed funds sold and reverse repos | $8.7M |
| Fed funds sold and reverse repos to assets | 2.72% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $4.2M |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.84% |
| Net loans and leases to deposits | 83.86% |
| Loans and leases to core deposits | 94.23% |
| Core deposits to total deposits | 90.04% |
| 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 | 82.17% | 92.21% | $5.4M | $5.0M |
| Q4 2023 | 83.70% | 88.92% | $6.2M | $5.0M |
| Q1 2024 | 79.16% | 88.63% | $4.5M | $5.0M |
| Q2 2024 | 76.35% | 89.53% | $2.9M | $5.0M |
| Q3 2024 | 80.39% | 87.82% | $2.9M | $5.0M |
| Q4 2024 | 85.85% | 88.98% | $5.4M | $5.0M |
| Q1 2025 | 84.46% | 89.72% | $4.4M | $7.0M |
| Q2 2025 | 86.85% | 90.84% | $4.0M | $5.0M |
| Q3 2025 | 84.20% | 88.75% | $3.7M | $6.5M |
| Q4 2025 | 86.97% | 88.26% | $2.7M | $9.0M |
| Q1 2026 | 82.57% | 90.42% | $3.4M | $5.0M |
| Q2 2026 | 84.84% | 90.04% | $4.2M | $5.0M |
Tnbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tnbank, 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 Tnbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34023) · FFIEC NIC profile (RSSD 2305969)