Hearthside Bank Corporation: 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 77.1% higher than in Q1 2026, at $30.4M. Hearthside Bank Corporation ranks 61st of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 83.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hearthside Bank Corporation sits 2.56 points higher, at 83.39% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.1M |
| 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 | $91K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.39% |
| Net loans and leases to deposits | 82.36% |
| Loans and leases to core deposits | 97.08% |
| Core deposits to total deposits | 85.90% |
| 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 | 84.55% | 89.50% | $0 | $8.3M |
| Q4 2023 | 84.86% | 89.10% | $0 | $12.7M |
| Q1 2024 | 85.42% | 88.89% | $0 | $9.2M |
| Q2 2024 | 87.10% | 89.32% | $0 | $18.2M |
| Q3 2024 | 88.33% | 86.91% | $0 | $17.2M |
| Q4 2024 | 89.47% | 86.19% | $0 | $24.2M |
| Q1 2025 | 87.41% | 86.22% | $0 | $15.2M |
| Q2 2025 | 86.05% | 88.35% | $0 | $10.2M |
| Q3 2025 | 84.54% | 86.73% | $0 | $10.1M |
| Q4 2025 | 85.34% | 85.69% | $0 | $122K |
| Q1 2026 | 85.53% | 86.73% | $0 | $107K |
| Q2 2026 | 83.39% | 85.90% | $0 | $91K |
Hearthside Bank Corporation liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hearthside Bank Corporation, 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 Hearthside Bank Corporation profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31236) · FFIEC NIC profile (RSSD 902672)