Hebron Savings 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.
Other borrowed money dropped 30.9% in Q2 2026, from $5.9M to $4.1M. It was the largest change from Q1 2026 among the key lines here. Hebron Savings Bank ranks 13th of 27 Maryland banks on loan-to-deposit ratio, in the upper half at 88.32% (Q2 2026). Hebron Savings Bank reported 88.32% on loan-to-deposit ratio for Q2 2026, 7.48 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 | $90.0M |
| Cash and noninterest-bearing balances to assets | 10.74% |
| Cash and securities | $165.5M |
| 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 | $4.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.32% |
| Net loans and leases to deposits | 87.14% |
| Loans and leases to core deposits | 93.59% |
| Core deposits to total deposits | 94.37% |
| 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 | 79.16% | 89.81% | $0 | $11.7M |
| Q4 2023 | 85.59% | 95.89% | $0 | $11.0M |
| Q1 2024 | 86.32% | 95.76% | $0 | $10.4M |
| Q2 2024 | 90.33% | 93.01% | $0 | $12.2M |
| Q3 2024 | 88.92% | 92.21% | $0 | $9.1M |
| Q4 2024 | 88.47% | 93.50% | $0 | $8.4M |
| Q1 2025 | 84.49% | 93.64% | $0 | $7.8M |
| Q2 2025 | 84.12% | 93.71% | $0 | $7.3M |
| Q3 2025 | 85.96% | 93.54% | $0 | $6.8M |
| Q4 2025 | 89.49% | 94.07% | $0 | $6.4M |
| Q1 2026 | 87.54% | 93.47% | $0 | $5.9M |
| Q2 2026 | 88.32% | 94.37% | $0 | $4.1M |
Hebron Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hebron Savings 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 Hebron Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8811) · FFIEC NIC profile (RSSD 780722)