The Havana National 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 7.14 percentage points in Q2 2026, from 100.35% to 107.49%. It was the largest change from Q1 2026 among the key lines here. Among 323 Illinois banks, The Havana National Bank sits 21st from the top on loan-to-deposit ratio, 99.12% as of Q2 2026. The Havana National Bank reported 99.12% on loan-to-deposit ratio for Q2 2026, 18.29 points above 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 | $15.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $83.8M |
| Fed funds sold and reverse repos | $47K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $18.5M |
| Other borrowed money | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.12% |
| Net loans and leases to deposits | 98.10% |
| Loans and leases to core deposits | 107.49% |
| Core deposits to total deposits | 92.22% |
| 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 | 91.06% | 94.00% | $12.7M | $33.8M |
| Q4 2023 | 89.17% | 92.60% | $11.2M | $30.0M |
| Q1 2024 | 88.40% | 92.55% | $13.3M | $30.0M |
| Q2 2024 | 86.36% | 92.82% | $13.2M | $30.0M |
| Q3 2024 | 96.99% | 92.79% | $18.7M | $34.8M |
| Q4 2024 | 92.35% | 92.86% | $16.6M | $30.0M |
| Q1 2025 | 89.17% | 93.01% | $17.5M | $30.0M |
| Q2 2025 | 95.56% | 93.25% | $16.8M | $35.0M |
| Q3 2025 | 99.01% | 92.86% | $18.5M | $35.0M |
| Q4 2025 | 100.47% | 92.68% | $14.4M | $45.0M |
| Q1 2026 | 92.98% | 92.66% | $16.5M | $45.0M |
| Q2 2026 | 99.12% | 92.22% | $18.5M | $40.0M |
The Havana National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Havana National 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 Havana National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3677) · FFIEC NIC profile (RSSD 940731)