Heritage Bank, N.A.: 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.
The standout move of Q2 2026 was in Other borrowed money: 171.4% higher than in Q1 2026, at $31.9M. Among 221 Minnesota banks, Heritage Bank, N.A. sits 18th from the top on loan-to-deposit ratio, 107.66% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Heritage Bank, N.A. sits 26.82 points higher, at 107.66% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.9M |
| 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 | $31.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.66% |
| Net loans and leases to deposits | 105.65% |
| Loans and leases to core deposits | 111.60% |
| Core deposits to total deposits | 91.68% |
| Brokered deposits to total deposits | 4.79% |
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 | 111.29% | 75.72% | $0 | $70.1M |
| Q4 2023 | 104.45% | 73.30% | $0 | $71.6M |
| Q1 2024 | 95.95% | 73.34% | $0 | $69.0M |
| Q2 2024 | 103.42% | 78.30% | $0 | $62.3M |
| Q3 2024 | 101.99% | 77.83% | $0 | $47.4M |
| Q4 2024 | 99.28% | 78.40% | $0 | $30.0M |
| Q1 2025 | 96.97% | 77.80% | $0 | $17.1M |
| Q2 2025 | 99.15% | 78.59% | $0 | $13.7M |
| Q3 2025 | 98.83% | 77.58% | $0 | $13.1M |
| Q4 2025 | 95.78% | 78.30% | $0 | $12.4M |
| Q1 2026 | 99.82% | 88.79% | $0 | $11.8M |
| Q2 2026 | 107.66% | 91.68% | $0 | $31.9M |
Heritage Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19254) · FFIEC NIC profile (RSSD 901358)