First Heritage 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.
Fed funds sold and reverse repos dropped 79.6% in Q2 2026, from $3.3M to $669K. It was the largest change from Q1 2026 among the key lines here. First Heritage Bank ranks 58th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 93.35% (Q2 2026). First Heritage Bank reported 93.35% on loan-to-deposit ratio for Q2 2026, 25.43 points above the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $14.2M |
| Fed funds sold and reverse repos | $669K |
| Fed funds sold and reverse repos to assets | 0.93% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.35% |
| Net loans and leases to deposits | 92.20% |
| Loans and leases to core deposits | 104.68% |
| Core deposits to total deposits | 89.18% |
| 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 | 80.12% | 96.60% | $2.3M | $4.3M |
| Q4 2023 | 82.48% | 95.91% | $0 | $4.3M |
| Q1 2024 | 86.65% | 95.04% | $776K | $4.3M |
| Q2 2024 | 82.07% | 94.20% | $556K | $0 |
| Q3 2024 | 88.72% | 93.05% | $1.8M | $0 |
| Q4 2024 | 87.92% | 91.80% | $0 | $5.0M |
| Q1 2025 | 86.95% | 89.69% | $0 | $5.0M |
| Q2 2025 | 90.88% | 90.49% | $0 | $5.0M |
| Q3 2025 | 94.31% | 91.35% | $0 | $5.0M |
| Q4 2025 | 93.31% | 91.03% | $0 | $5.0M |
| Q1 2026 | 89.42% | 91.24% | $0 | $5.0M |
| Q2 2026 | 93.35% | 89.18% | $0 | $5.0M |
First Heritage Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Heritage 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 Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4457) · FFIEC NIC profile (RSSD 618647)