Heartland 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $0. Within South Dakota, Heartland State Bank is 16th of 56 on loan-to-deposit ratio, 90.57% as of Q2 2026, above the middle of the field. Heartland State Bank reported 90.57% on loan-to-deposit ratio for Q2 2026, 9.73 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 | $5.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.1M |
| 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 | $207K |
| Other borrowed money | $3.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.37% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.57% |
| Net loans and leases to deposits | 89.85% |
| Loans and leases to core deposits | 97.54% |
| Core deposits to total deposits | 92.85% |
| Brokered deposits to total deposits | 6.86% |
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 | 78.68% | 90.48% | $0 | $21.1M |
| Q4 2023 | 76.63% | 91.05% | $0 | $16.1M |
| Q1 2024 | 76.18% | 91.16% | $0 | $12.0M |
| Q2 2024 | 83.02% | 93.19% | $4.0M | $15.0M |
| Q3 2024 | 87.75% | 92.26% | $1.0M | $22.5M |
| Q4 2024 | 86.06% | 92.82% | $171K | $15.9M |
| Q1 2025 | 81.88% | 93.52% | $0 | $10.9M |
| Q2 2025 | 85.91% | 93.39% | $0 | $10.8M |
| Q3 2025 | 96.33% | 93.04% | $2.2M | $21.8M |
| Q4 2025 | 93.07% | 93.13% | $2.0M | $12.7M |
| Q1 2026 | 87.70% | 94.08% | $0 | $6.7M |
| Q2 2026 | 90.57% | 92.85% | $207K | $3.6M |
Heartland State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland 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 Heartland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9007) · FFIEC NIC profile (RSSD 135854)