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 44.7% in Q2 2026, from $11.7M to $6.5M. It was the largest change from Q1 2026 among the key lines here. First Heritage Bank ranks 108th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 70.06% (Q2 2026). First Heritage Bank reported 70.06% on loan-to-deposit ratio for Q2 2026, 10.49 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $96.5M |
| Fed funds sold and reverse repos | $6.5M |
| Fed funds sold and reverse repos to assets | 2.13% |
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 | 70.06% |
| Net loans and leases to deposits | 69.50% |
| Loans and leases to core deposits | 81.31% |
| Core deposits to total deposits | 77.46% |
| Brokered deposits to total deposits | 19.77% |
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 | 66.70% | 74.18% | $0 | $0 |
| Q4 2023 | 62.31% | 73.09% | $0 | $0 |
| Q1 2024 | 65.82% | 76.97% | $0 | $0 |
| Q2 2024 | 66.25% | 78.84% | $0 | $0 |
| Q3 2024 | 61.87% | 78.49% | $0 | $0 |
| Q4 2024 | 59.93% | 79.82% | $0 | $0 |
| Q1 2025 | 64.90% | 80.12% | $0 | $0 |
| Q2 2025 | 64.97% | 79.01% | $0 | $0 |
| Q3 2025 | 68.49% | 77.86% | $0 | $0 |
| Q4 2025 | 70.31% | 78.34% | $0 | $0 |
| Q1 2026 | 68.53% | 76.49% | $0 | $0 |
| Q2 2026 | 70.06% | 77.46% | $0 | $0 |
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 4636) · FFIEC NIC profile (RSSD 922157)