Heritage Bank, Inc.: 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.
Fed funds sold and reverse repos dropped 60.5% in Q2 2026, from $38.3M to $15.1M. It was the largest change from Q1 2026 among the key lines here. Heritage Bank, Inc. ranks 101st of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 67.86% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Heritage Bank, Inc. sits 20.34 points lower, at 67.86% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $237.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $668.4M |
| Fed funds sold and reverse repos | $15.1M |
| Fed funds sold and reverse repos to assets | 0.76% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.7M |
| 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 | 67.86% |
| Net loans and leases to deposits | 67.06% |
| Loans and leases to core deposits | 70.92% |
| Core deposits to total deposits | 92.67% |
| Brokered deposits to total deposits | 3.01% |
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 | 69.11% | 87.70% | $17.8M | $20.0M |
| Q4 2023 | 63.52% | 89.11% | $21.2M | $0 |
| Q1 2024 | 63.12% | 91.74% | $21.0M | $0 |
| Q2 2024 | 67.84% | 91.59% | $18.7M | $0 |
| Q3 2024 | 69.80% | 88.16% | $18.5M | $0 |
| Q4 2024 | 66.18% | 91.92% | $26.8M | $0 |
| Q1 2025 | 68.96% | 90.68% | $9.3M | $0 |
| Q2 2025 | 71.35% | 90.26% | $4.6M | $0 |
| Q3 2025 | 73.35% | 88.57% | $6.3M | $25.0M |
| Q4 2025 | 65.82% | 89.35% | $8.5M | $0 |
| Q1 2026 | 69.01% | 91.35% | $5.7M | $0 |
| Q2 2026 | 67.86% | 92.67% | $3.7M | $0 |
Heritage Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33119) · FFIEC NIC profile (RSSD 1469677)