Volunteer Federal Savings 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 Cash and balances due from depository institutions: 12.1% lower than in Q1 2026, at $37.8M. Volunteer Federal Savings Bank ranks 82nd of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 71.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Volunteer Federal Savings Bank sits 8.92 points lower, at 71.91% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $123.2M |
| 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 | $514K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.91% |
| Net loans and leases to deposits | 71.58% |
| Loans and leases to core deposits | 80.18% |
| Core deposits to total deposits | 89.69% |
| 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 | 65.17% | 93.08% | $0 | $2.4M |
| Q4 2023 | 67.74% | 92.27% | $0 | $14.2M |
| Q1 2024 | 68.59% | 91.83% | $0 | $6.0M |
| Q2 2024 | 70.59% | 91.08% | $0 | $4.4M |
| Q3 2024 | 70.27% | 90.67% | $0 | $1.7M |
| Q4 2024 | 70.72% | 90.92% | $0 | $1.5M |
| Q1 2025 | 71.54% | 90.78% | $0 | $1.3M |
| Q2 2025 | 71.36% | 91.42% | $0 | $1.2M |
| Q3 2025 | 72.44% | 90.21% | $0 | $920K |
| Q4 2025 | 71.90% | 89.92% | $0 | $786K |
| Q1 2026 | 71.05% | 89.60% | $0 | $650K |
| Q2 2026 | 71.91% | 89.69% | $0 | $514K |
Volunteer Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Volunteer Federal Savings 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 Volunteer Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31694) · FFIEC NIC profile (RSSD 170275)