Hendricks County Bank and Trust Company: 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.
Loans and leases to core deposits climbed 2.90 percentage points in Q2 2026, from 71.39% to 74.29%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Hendricks County Bank and Trust Company is 72nd of 87 on loan-to-deposit ratio, 67.36% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Hendricks County Bank and Trust Company sits 13.58 points lower, at 67.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $81.2M |
| 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 | $114K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.36% |
| Net loans and leases to deposits | 66.54% |
| Loans and leases to core deposits | 74.29% |
| Core deposits to total deposits | 90.67% |
| 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 | 59.84% | 94.15% | $0 | $10.0M |
| Q4 2023 | 61.72% | 93.25% | $0 | $10.0M |
| Q1 2024 | 58.28% | 89.73% | $0 | $10.0M |
| Q2 2024 | 58.40% | 88.32% | $0 | $10.0M |
| Q3 2024 | 61.09% | 88.01% | $0 | $3K |
| Q4 2024 | 63.08% | 88.66% | $0 | $0 |
| Q1 2025 | 61.86% | 90.97% | $0 | $145K |
| Q2 2025 | 63.76% | 90.11% | $0 | $139K |
| Q3 2025 | 65.32% | 89.26% | $0 | $133K |
| Q4 2025 | 65.83% | 89.96% | $0 | $125K |
| Q1 2026 | 65.12% | 91.22% | $0 | $119K |
| Q2 2026 | 67.36% | 90.67% | $0 | $114K |
Hendricks County Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hendricks County Bank and Trust Company, 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 Hendricks County Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13111) · FFIEC NIC profile (RSSD 633640)