The Hamler State 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 Loans and leases to core deposits: 4.93 percentage points higher than in Q1 2026, at 86.89%. Within Ohio, The Hamler State Bank is 83rd of 156 on loan-to-deposit ratio, 81.04% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Hamler State Bank reported 81.04% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.5M |
| Fed funds sold and reverse repos | $4.7M |
| Fed funds sold and reverse repos to assets | 3.77% |
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 | 81.04% |
| Net loans and leases to deposits | 80.13% |
| Loans and leases to core deposits | 86.89% |
| Core deposits to total deposits | 93.27% |
| 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 | 83.72% | 93.33% | $0 | $79K |
| Q4 2023 | 83.44% | 92.65% | $0 | $57K |
| Q1 2024 | 79.72% | 93.38% | $0 | $36K |
| Q2 2024 | 82.22% | 93.39% | $0 | $16K |
| Q3 2024 | 82.45% | 93.01% | $0 | $0 |
| Q4 2024 | 82.82% | 93.47% | $0 | $0 |
| Q1 2025 | 78.21% | 93.60% | $0 | $0 |
| Q2 2025 | 81.06% | 93.59% | $0 | $0 |
| Q3 2025 | 79.35% | 93.89% | $0 | $0 |
| Q4 2025 | 81.08% | 94.20% | $0 | $0 |
| Q1 2026 | 77.28% | 94.29% | $0 | $0 |
| Q2 2026 | 81.04% | 93.27% | $0 | $0 |
The Hamler State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hamler State 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 The Hamler State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14920) · FFIEC NIC profile (RSSD 887827)