The Harvard 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 climbed 189.9% in Q2 2026, from $2.1M to $6.1M. It was the largest change from Q1 2026 among the key lines here. The Harvard State Bank ranks 226th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 65.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. The Harvard State Bank sits 14.86 points lower, at 65.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.1M |
| Fed funds sold and reverse repos | $6.1M |
| Fed funds sold and reverse repos to assets | 1.84% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $9.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.69% |
| Net loans and leases to deposits | 65.00% |
| Loans and leases to core deposits | 68.55% |
| Core deposits to total deposits | 95.83% |
| 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 | 61.89% | 94.66% | $3.6M | $9.0M |
| Q4 2023 | 61.87% | 95.90% | $0 | $9.0M |
| Q1 2024 | 64.14% | 95.71% | $2.6M | $9.0M |
| Q2 2024 | 63.08% | 96.29% | $0 | $9.0M |
| Q3 2024 | 60.77% | 95.57% | $0 | $9.0M |
| Q4 2024 | 62.73% | 95.76% | $0 | $9.0M |
| Q1 2025 | 64.49% | 95.64% | $0 | $9.0M |
| Q2 2025 | 66.36% | 95.93% | $0 | $9.0M |
| Q3 2025 | 65.21% | 95.59% | $0 | $9.0M |
| Q4 2025 | 64.00% | 95.96% | $0 | $9.0M |
| Q1 2026 | 65.65% | 95.83% | $0 | $9.0M |
| Q2 2026 | 65.69% | 95.83% | $0 | $9.0M |
The Harvard 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 Harvard 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 Harvard State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9079) · FFIEC NIC profile (RSSD 800134)