The Bank of Holly Springs: 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: 13.9% lower than in Q1 2026, at $74.7M. The Bank of Holly Springs ranks 8th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 87.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Holly Springs sits 6.88 points higher, at 87.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $74.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $130.3M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.72% |
| Net loans and leases to deposits | 86.29% |
| Loans and leases to core deposits | 106.49% |
| Core deposits to total deposits | 78.28% |
| Brokered deposits to total deposits | 4.09% |
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 | 102.94% | 81.14% | $0 | $20.0M |
| Q4 2023 | 102.89% | 79.78% | $0 | $21.0M |
| Q1 2024 | 94.44% | 79.63% | $0 | $10.0M |
| Q2 2024 | 95.57% | 79.07% | $0 | $10.0M |
| Q3 2024 | 92.58% | 78.85% | $0 | $10.0M |
| Q4 2024 | 91.11% | 78.94% | $0 | $10.0M |
| Q1 2025 | 86.94% | 79.97% | $0 | $10.0M |
| Q2 2025 | 91.00% | 79.39% | $0 | $10.0M |
| Q3 2025 | 94.87% | 81.98% | $0 | $10.0M |
| Q4 2025 | 95.58% | 80.54% | $0 | $10.0M |
| Q1 2026 | 86.71% | 77.29% | $0 | $10.0M |
| Q2 2026 | 87.72% | 78.28% | $0 | $10.0M |
The Bank of Holly Springs liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Holly Springs, 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 The Bank of Holly Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8232) · FFIEC NIC profile (RSSD 835743)