Hartsburg 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.
Fed funds sold and reverse repos to assets climbed 6.07 percentage points in Q2 2026, from 11.95% to 18.03%. It was the largest change from Q1 2026 among the key lines here. Hartsburg State Bank has the 10th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 33.81% as of Q2 2026. Hartsburg State Bank reported 33.81% on loan-to-deposit ratio for Q2 2026, 33.81 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.1M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 18.03% |
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 | 33.81% |
| Net loans and leases to deposits | 32.82% |
| Loans and leases to core deposits | 34.98% |
| Core deposits to total deposits | 96.66% |
| 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 | 41.05% | 98.26% | $797K | $0 |
| Q4 2023 | 32.59% | 98.58% | $328K | $0 |
| Q1 2024 | 40.19% | 86.37% | $0 | $0 |
| Q2 2024 | 42.10% | 96.53% | $0 | $0 |
| Q3 2024 | 38.53% | 96.80% | $0 | $0 |
| Q4 2024 | 38.76% | 96.87% | $63K | $0 |
| Q1 2025 | 47.40% | 95.96% | $1.3M | $0 |
| Q2 2025 | 41.20% | 96.38% | $0 | $0 |
| Q3 2025 | 41.79% | 96.38% | $0 | $0 |
| Q4 2025 | 36.04% | 96.84% | $1.4M | $0 |
| Q1 2026 | 37.56% | 96.51% | $0 | $0 |
| Q2 2026 | 33.81% | 96.66% | $0 | $0 |
Hartsburg State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hartsburg 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 Hartsburg State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11716) · FFIEC NIC profile (RSSD 799939)