Henderson Federal 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.01 percentage points higher than in Q1 2026, at 95.66%. On loan-to-deposit ratio, Henderson Federal Savings Bank ranks 30th highest among the 346 banks headquartered in Texas, at 95.66% (Q2 2026). Henderson Federal Savings Bank reported 95.66% on loan-to-deposit ratio for Q2 2026, 14.83 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 | $23.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.6M |
| 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 | $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 | 95.66% |
| Net loans and leases to deposits | 93.93% |
| Loans and leases to core deposits | 105.12% |
| Core deposits to total deposits | 91.00% |
| 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 | 95.64% | 93.48% | $0 | $0 |
| Q4 2023 | 102.08% | 93.92% | $0 | $0 |
| Q1 2024 | 103.60% | 93.23% | $0 | $0 |
| Q2 2024 | 105.59% | 93.51% | $0 | $0 |
| Q3 2024 | 101.32% | 93.35% | $0 | $0 |
| Q4 2024 | 104.16% | 92.86% | $0 | $0 |
| Q1 2025 | 96.84% | 92.38% | $0 | $0 |
| Q2 2025 | 97.74% | 91.47% | $0 | $0 |
| Q3 2025 | 98.10% | 90.77% | $0 | $0 |
| Q4 2025 | 94.72% | 90.83% | $0 | $0 |
| Q1 2026 | 94.65% | 90.12% | $0 | $0 |
| Q2 2026 | 95.66% | 91.00% | $0 | $0 |
Henderson Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Henderson Federal 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 Henderson Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29241) · FFIEC NIC profile (RSSD 849076)