Traditions First 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.
Other borrowed money dropped 100.0% in Q2 2026, from $2.5M to $0. It was the largest change from Q1 2026 among the key lines here. Traditions First Bank ranks 46th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 85.92% (Q2 2026). Traditions First Bank reported 85.92% on loan-to-deposit ratio for Q2 2026, 5.08 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 | $16.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.0M |
| 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 | 85.92% |
| Net loans and leases to deposits | 85.30% |
| Loans and leases to core deposits | 103.79% |
| Core deposits to total deposits | 82.78% |
| 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 | 72.34% | 85.87% | $0 | $0 |
| Q4 2023 | 77.97% | 85.48% | $4.0M | $0 |
| Q1 2024 | 77.96% | 85.97% | $0 | $0 |
| Q2 2024 | 81.33% | 85.75% | $5.0M | $0 |
| Q3 2024 | 83.25% | 85.37% | $0 | $5.0M |
| Q4 2024 | 85.53% | 83.00% | $0 | $5.0M |
| Q1 2025 | 82.06% | 84.28% | $0 | $5.0M |
| Q2 2025 | 84.63% | 83.51% | $0 | $2.5M |
| Q3 2025 | 83.21% | 85.74% | $0 | $2.5M |
| Q4 2025 | 89.09% | 83.97% | $0 | $2.5M |
| Q1 2026 | 86.47% | 83.33% | $0 | $2.5M |
| Q2 2026 | 85.92% | 82.78% | $0 | $0 |
Traditions First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditions First 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 Traditions First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57092) · FFIEC NIC profile (RSSD 2963864)