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: 77.8% lower than in Q1 2026, at $400K. On loan-to-deposit ratio, Heartland State Bank is 6th from the bottom among 60 North Dakota banks, 43.10% (Q2 2026). Heartland State Bank reported 43.10% on loan-to-deposit ratio for Q2 2026, 24.53 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.8M |
| Fed funds sold and reverse repos | $400K |
| Fed funds sold and reverse repos to assets | 0.53% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 43.10% |
| Net loans and leases to deposits | 42.44% |
| Loans and leases to core deposits | 47.31% |
| Core deposits to total deposits | 91.10% |
| 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 | 71.27% | 94.57% | $0 | $5.0M |
| Q4 2023 | 69.62% | 94.88% | $0 | $5.0M |
| Q1 2024 | 58.38% | 91.87% | $0 | $0 |
| Q2 2024 | 61.63% | 92.00% | $0 | $0 |
| Q3 2024 | 68.16% | 93.42% | $0 | $0 |
| Q4 2024 | 69.79% | 91.05% | $400K | $0 |
| Q1 2025 | 53.49% | 91.89% | $0 | $0 |
| Q2 2025 | 52.79% | 91.49% | $0 | $0 |
| Q3 2025 | 52.56% | 89.27% | $0 | $0 |
| Q4 2025 | 52.32% | 89.75% | $0 | $0 |
| Q1 2026 | 41.48% | 90.37% | $0 | $0 |
| Q2 2026 | 43.10% | 91.10% | $0 | $0 |
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 3919) · FFIEC NIC profile (RSSD 837653)