Heartland Bank and Trust Company: 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 purchased and repos dropped 100.0% in Q2 2026, from $5.0M to $0. It was the largest change from Q1 2026 among the key lines here. Heartland Bank and Trust Company ranks 111th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 82.30% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Heartland Bank and Trust Company sits 5.90 points lower, at 82.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $132.5M |
| Cash and noninterest-bearing balances to assets | 1.97% |
| Cash and securities | $1.66B |
| 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 | $12.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.30% |
| Net loans and leases to deposits | 81.25% |
| Loans and leases to core deposits | 87.91% |
| Core deposits to total deposits | 93.62% |
| 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 | 79.47% | 94.75% | $28.9M | $177.7M |
| Q4 2023 | 77.10% | 93.97% | $42.4M | $12.6M |
| Q1 2024 | 76.59% | 94.97% | $31.9M | $12.7M |
| Q2 2024 | 78.11% | 94.51% | $29.3M | $13.7M |
| Q3 2024 | 78.46% | 94.52% | $29.0M | $13.4M |
| Q4 2024 | 80.00% | 95.45% | $29.0M | $13.2M |
| Q1 2025 | 78.77% | 95.39% | $2.7M | $7.2M |
| Q2 2025 | 77.17% | 95.40% | $556K | $7.2M |
| Q3 2025 | 78.05% | 95.49% | $0 | $7.3M |
| Q4 2025 | 79.10% | 95.48% | $0 | $12.3M |
| Q1 2026 | 80.42% | 93.65% | $5.0M | $12.3M |
| Q2 2026 | 82.30% | 93.62% | $0 | $12.4M |
Heartland Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20369) · FFIEC NIC profile (RSSD 426534)