Hancock County Savings Bank, F.S.B.: 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 dropped 2.05 percentage points in Q2 2026, from 110.20% to 108.15%. It was the largest change from Q1 2026 among the key lines here. Among 41 West Virginia banks, Hancock County Savings Bank, F.S.B. sits 2nd from the top on loan-to-deposit ratio, 108.15% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Hancock County Savings Bank, F.S.B. sits 27.21 points higher, at 108.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.0M |
| 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 | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.15% |
| Net loans and leases to deposits | 106.94% |
| Loans and leases to core deposits | 118.53% |
| Core deposits to total deposits | 91.25% |
| 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 | 113.88% | 93.20% | $0 | $23.5M |
| Q4 2023 | 115.31% | 92.99% | $0 | $20.5M |
| Q1 2024 | 113.95% | 92.85% | $0 | $15.0M |
| Q2 2024 | 112.09% | 92.27% | $0 | $15.0M |
| Q3 2024 | 113.03% | 91.88% | $0 | $15.0M |
| Q4 2024 | 111.85% | 92.32% | $0 | $15.0M |
| Q1 2025 | 109.23% | 92.26% | $0 | $15.0M |
| Q2 2025 | 110.81% | 92.30% | $0 | $15.0M |
| Q3 2025 | 113.72% | 92.70% | $0 | $13.0M |
| Q4 2025 | 114.27% | 91.99% | $0 | $13.0M |
| Q1 2026 | 110.20% | 91.56% | $0 | $13.0M |
| Q2 2026 | 108.15% | 91.25% | $0 | $13.0M |
Hancock County Savings Bank, F.S.B. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hancock County Savings Bank, F.S.B., 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 Hancock County Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29035) · FFIEC NIC profile (RSSD 888271)