Heritage Bank & Trust: 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 dropped 83.3% in Q2 2026, from $6.0M to $1.0M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Heritage Bank & Trust is 26th of 109 on loan-to-deposit ratio, 95.22% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Heritage Bank & Trust sits 14.38 points higher, at 95.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.5M |
| Fed funds sold and reverse repos | $1.7M |
| Fed funds sold and reverse repos to assets | 0.40% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.24% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.22% |
| Net loans and leases to deposits | 93.67% |
| Loans and leases to core deposits | 105.44% |
| Core deposits to total deposits | 89.07% |
| Brokered deposits to total deposits | 1.23% |
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 | 84.63% | 91.33% | $0 | $9.2M |
| Q4 2023 | 86.40% | 90.77% | $0 | $10.2M |
| Q1 2024 | 83.73% | 90.51% | $0 | $8.5M |
| Q2 2024 | 83.83% | 90.07% | $0 | $1.0M |
| Q3 2024 | 83.12% | 90.07% | $0 | $1.0M |
| Q4 2024 | 85.17% | 90.80% | $0 | $1.0M |
| Q1 2025 | 82.47% | 91.45% | $0 | $1.0M |
| Q2 2025 | 86.33% | 91.10% | $0 | $1.0M |
| Q3 2025 | 89.08% | 91.82% | $0 | $6.0M |
| Q4 2025 | 94.86% | 90.74% | $0 | $6.0M |
| Q1 2026 | 94.46% | 90.18% | $0 | $6.0M |
| Q2 2026 | 95.22% | 89.07% | $0 | $1.0M |
Heritage Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58220) · FFIEC NIC profile (RSSD 3429219)