Heritage 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.
Loans and leases to core deposits dropped 12.21 percentage points in Q2 2026, from 101.64% to 89.43%. It was the largest change from Q1 2026 among the key lines here. Heritage Bank ranks 56th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 85.40% (Q2 2026). Heritage Bank reported 85.40% on loan-to-deposit ratio for Q2 2026, 4.85 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.8M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 0.31% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $9.5M |
| 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 | 85.40% |
| Net loans and leases to deposits | 84.25% |
| Loans and leases to core deposits | 89.43% |
| Core deposits to total deposits | 95.50% |
| 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 | 103.98% | 90.58% | $4.2M | $3.0M |
| Q4 2023 | 103.64% | 85.99% | $2.1M | $10.8M |
| Q1 2024 | 96.62% | 87.84% | $1.6M | $4.0M |
| Q2 2024 | 103.75% | 87.49% | $1.3M | $9.5M |
| Q3 2024 | 98.80% | 88.66% | $1.3M | $4.0M |
| Q4 2024 | 103.63% | 88.77% | $1.3M | $7.0M |
| Q1 2025 | 102.19% | 92.75% | $1.6M | $5.0M |
| Q2 2025 | 106.50% | 88.94% | $1.1M | $10.0M |
| Q3 2025 | 93.91% | 93.34% | $21.5M | $0 |
| Q4 2025 | 99.89% | 93.73% | $24.1M | $17.0M |
| Q1 2026 | 96.05% | 94.49% | $34.3M | $20.5M |
| Q2 2026 | 85.40% | 95.50% | $9.5M | $0 |
Heritage Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage 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 Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57548) · FFIEC NIC profile (RSSD 3120897)