Henderson 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.
Brokered deposits to total deposits climbed 4.79 percentage points in Q2 2026, from 21.07% to 25.86%. It was the largest change from Q1 2026 among the key lines here. Among 138 Nebraska banks, Henderson State Bank sits 4th from the top on loan-to-deposit ratio, 110.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Henderson State Bank sits 29.24 points higher, at 110.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $90.8M |
| 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 | $97.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.19% |
| Net loans and leases to deposits | 109.36% |
| Loans and leases to core deposits | 133.08% |
| Core deposits to total deposits | 56.94% |
| Brokered deposits to total deposits | 25.86% |
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 | 113.41% | 49.29% | $0 | $58.3M |
| Q4 2023 | 107.72% | 64.19% | $0 | $47.2M |
| Q1 2024 | 114.43% | 60.65% | $0 | $56.7M |
| Q2 2024 | 106.27% | 57.62% | $0 | $59.6M |
| Q3 2024 | 99.59% | 55.38% | $0 | $48.7M |
| Q4 2024 | 97.88% | 71.37% | $0 | $42.5M |
| Q1 2025 | 97.13% | 65.78% | $0 | $33.0M |
| Q2 2025 | 103.83% | 61.75% | $0 | $61.2M |
| Q3 2025 | 110.93% | 58.29% | $0 | $99.7M |
| Q4 2025 | 105.93% | 59.21% | $0 | $85.0M |
| Q1 2026 | 108.36% | 59.67% | $0 | $86.2M |
| Q2 2026 | 110.19% | 56.94% | $0 | $97.7M |
Henderson State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Henderson 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 Henderson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17229) · FFIEC NIC profile (RSSD 97055)