First Harrison 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.
Loan-to-deposit ratio rose 0.40 percentage points from Q1 2026 to Q2 2026, ending at 59.67% against 59.26%. It was the largest change among the key lines on this page. On loan-to-deposit ratio, First Harrison Bank is 7th from the bottom among 87 Indiana banks, 59.67% (Q2 2026). First Harrison Bank reported 59.67% on loan-to-deposit ratio for Q2 2026, 28.54 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $151.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $565.0M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 0.12% |
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 | 59.67% |
| Net loans and leases to deposits | 58.73% |
| Loans and leases to core deposits | 63.26% |
| Core deposits to total deposits | 94.33% |
| 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 | 59.87% | 97.56% | $0 | $28.0M |
| Q4 2023 | 60.53% | 97.09% | $0 | $21.5M |
| Q1 2024 | 62.18% | 97.00% | $0 | $33.6M |
| Q2 2024 | 62.96% | 96.59% | $0 | $33.6M |
| Q3 2024 | 61.93% | 96.09% | $0 | $33.6M |
| Q4 2024 | 59.91% | 94.11% | $0 | $0 |
| Q1 2025 | 60.02% | 94.49% | $0 | $0 |
| Q2 2025 | 59.28% | 94.47% | $0 | $0 |
| Q3 2025 | 59.46% | 94.04% | $0 | $0 |
| Q4 2025 | 59.12% | 94.08% | $0 | $0 |
| Q1 2026 | 59.26% | 94.07% | $0 | $0 |
| Q2 2026 | 59.67% | 94.33% | $0 | $0 |
First Harrison Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Harrison 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 First Harrison Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31223) · FFIEC NIC profile (RSSD 716374)