Tower Community 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 Core deposits to total deposits: 1.43 percentage points higher than in Q1 2026, at 84.22%. Within Tennessee, Tower Community Bank is 45th of 109 on loan-to-deposit ratio, 86.17% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Tower Community Bank sits 5.61 points higher, at 86.17% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.0M |
| 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 | $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 | 86.17% |
| Net loans and leases to deposits | 85.21% |
| Loans and leases to core deposits | 102.31% |
| Core deposits to total deposits | 84.22% |
| Brokered deposits to total deposits | 4.57% |
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 | 94.79% | 86.05% | $0 | $20.0M |
| Q4 2023 | 93.58% | 85.43% | $0 | $20.0M |
| Q1 2024 | 93.46% | 85.96% | $0 | $20.0M |
| Q2 2024 | 92.30% | 84.29% | $0 | $15.0M |
| Q3 2024 | 87.20% | 83.89% | $0 | $10.0M |
| Q4 2024 | 88.12% | 83.58% | $0 | $5.0M |
| Q1 2025 | 85.54% | 84.10% | $0 | $5.0M |
| Q2 2025 | 87.17% | 84.13% | $0 | $0 |
| Q3 2025 | 84.54% | 81.99% | $0 | $0 |
| Q4 2025 | 86.96% | 82.24% | $0 | $0 |
| Q1 2026 | 84.84% | 82.79% | $0 | $0 |
| Q2 2026 | 86.17% | 84.22% | $0 | $0 |
Tower Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tower Community 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 Tower Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20100) · FFIEC NIC profile (RSSD 989730)