Heartland 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 56.7% lower than in Q1 2026, at $4.1M. On loan-to-deposit ratio, Heartland Bank ranks 15th highest among the 225 banks headquartered in Iowa, at 106.12% (Q2 2026). Heartland Bank reported 106.12% on loan-to-deposit ratio for Q2 2026, 25.28 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 | $4.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.8M |
| 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 | $16.2M |
| 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 | 106.12% |
| Net loans and leases to deposits | 104.22% |
| Loans and leases to core deposits | 121.81% |
| Core deposits to total deposits | 83.10% |
| Brokered deposits to total deposits | 6.48% |
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 | 100.39% | 77.48% | $20.5M | $0 |
| Q4 2023 | 99.84% | 77.78% | $17.5M | $0 |
| Q1 2024 | 103.01% | 76.96% | $22.7M | $0 |
| Q2 2024 | 100.11% | 75.83% | $14.3M | $0 |
| Q3 2024 | 102.71% | 76.21% | $20.4M | $0 |
| Q4 2024 | 102.16% | 76.30% | $17.1M | $0 |
| Q1 2025 | 99.84% | 77.05% | $10.0M | $0 |
| Q2 2025 | 104.06% | 74.32% | $17.7M | $0 |
| Q3 2025 | 108.48% | 77.76% | $27.9M | $0 |
| Q4 2025 | 109.27% | 84.26% | $31.6M | $0 |
| Q1 2026 | 105.21% | 82.59% | $20.0M | $0 |
| Q2 2026 | 106.12% | 83.10% | $16.2M | $0 |
Heartland Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland 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 Heartland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14809) · FFIEC NIC profile (RSSD 604547)