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.
Other borrowed money climbed 731.2% in Q2 2026, from $20.0M to $166.2M. It was the largest change from Q1 2026 among the key lines here. Heritage Bank ranks 23rd of 29 Washington banks on loan-to-deposit ratio, in the lower half at 81.61% (Q2 2026). Heritage Bank reported 81.61% on loan-to-deposit ratio for Q2 2026, 6.59 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $204.4M |
| Cash and noninterest-bearing balances to assets | 2.43% |
| Cash and securities | $1.84B |
| 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 | $166.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.61% |
| Net loans and leases to deposits | 80.76% |
| Loans and leases to core deposits | 87.57% |
| Core deposits to total deposits | 93.19% |
| 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 | 75.53% | 93.98% | $23.2M | $450.0M |
| Q4 2023 | 77.21% | 93.32% | $0 | $500.0M |
| Q1 2024 | 80.01% | 92.38% | $0 | $500.0M |
| Q2 2024 | 82.12% | 91.00% | $0 | $500.0M |
| Q3 2024 | 81.96% | 90.66% | $0 | $382.0M |
| Q4 2024 | 84.41% | 90.16% | $0 | $383.0M |
| Q1 2025 | 81.46% | 90.50% | $0 | $264.4M |
| Q2 2025 | 82.52% | 90.55% | $0 | $263.2M |
| Q3 2025 | 81.34% | 91.10% | $0 | $138.0M |
| Q4 2025 | 80.70% | 91.22% | $0 | $20.0M |
| Q1 2026 | 78.83% | 92.50% | $0 | $20.0M |
| Q2 2026 | 81.61% | 93.19% | $0 | $166.2M |
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 29012) · FFIEC NIC profile (RSSD 881478)