The Harrison Building and Loan Association: 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 6.88 percentage points in Q2 2026, from 83.54% to 90.42%. It was the largest change from Q1 2026 among the key lines here. The Harrison Building and Loan Association ranks 84th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 80.97% (Q2 2026). At 80.97%, The Harrison Building and Loan Association's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.3M |
| 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 | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.97% |
| Net loans and leases to deposits | 80.21% |
| Loans and leases to core deposits | 90.42% |
| Core deposits to total deposits | 89.55% |
| 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 | 57.97% | 93.49% | $0 | $19.5M |
| Q4 2023 | 59.34% | 92.97% | $0 | $19.5M |
| Q1 2024 | 58.02% | 91.81% | $0 | $19.5M |
| Q2 2024 | 57.64% | 91.84% | $0 | $19.5M |
| Q3 2024 | 60.27% | 89.80% | $0 | $19.5M |
| Q4 2024 | 62.14% | 89.87% | $0 | $19.0M |
| Q1 2025 | 63.24% | 87.27% | $0 | $19.0M |
| Q2 2025 | 63.00% | 86.08% | $0 | $17.0M |
| Q3 2025 | 65.53% | 86.72% | $0 | $17.0M |
| Q4 2025 | 73.14% | 86.87% | $0 | $24.0M |
| Q1 2026 | 74.48% | 89.15% | $0 | $24.0M |
| Q2 2026 | 80.97% | 89.55% | $0 | $20.0M |
The Harrison Building and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Harrison Building and Loan Association, 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 Harrison Building and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28080) · FFIEC NIC profile (RSSD 653778)