Hardin County Savings 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.
Loans and leases to core deposits climbed 4.58 percentage points in Q2 2026, from 81.18% to 85.76%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Hardin County Savings Bank is 139th of 225 on loan-to-deposit ratio, 76.98% as of Q2 2026, below the middle of the field. Hardin County Savings Bank reported 76.98% on loan-to-deposit ratio for Q2 2026, 3.86 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.3M |
| Cash and noninterest-bearing balances to assets | 0.61% |
| Cash and securities | $133.8M |
| Fed funds sold and reverse repos | $4.8M |
| Fed funds sold and reverse repos to assets | 1.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.5M |
| Other borrowed money | $49.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.98% |
| Net loans and leases to deposits | 76.40% |
| Loans and leases to core deposits | 85.76% |
| Core deposits to total deposits | 62.71% |
| Brokered deposits to total deposits | 27.05% |
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 | 63.72% | 67.60% | $1.9M | $28.0M |
| Q4 2023 | 68.93% | 66.43% | $2.3M | $36.8M |
| Q1 2024 | 64.65% | 66.69% | $2.3M | $30.8M |
| Q2 2024 | 66.92% | 67.63% | $2.3M | $36.3M |
| Q3 2024 | 66.41% | 70.25% | $2.3M | $33.3M |
| Q4 2024 | 70.34% | 69.64% | $2.4M | $36.5M |
| Q1 2025 | 67.69% | 69.49% | $2.1M | $24.1M |
| Q2 2025 | 69.13% | 62.94% | $2.5M | $37.6M |
| Q3 2025 | 66.30% | 58.84% | $2.5M | $35.7M |
| Q4 2025 | 78.07% | 62.90% | $2.5M | $51.5M |
| Q1 2026 | 74.16% | 64.73% | $2.5M | $41.0M |
| Q2 2026 | 76.98% | 62.71% | $2.5M | $49.3M |
Hardin County Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hardin County Savings 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 Hardin County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5817) · FFIEC NIC profile (RSSD 647245)