Heritage Community 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 climbed 2.22 percentage points in Q2 2026, from 116.04% to 118.26%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Heritage Community Bank ranks 14th highest among the 192 banks headquartered in Missouri, at 104.77% (Q2 2026). Heritage Community Bank reported 104.77% on loan-to-deposit ratio for Q2 2026, 23.93 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.9M |
| Fed funds sold and reverse repos | $680K |
| Fed funds sold and reverse repos to assets | 0.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.77% |
| Net loans and leases to deposits | 103.43% |
| Loans and leases to core deposits | 118.26% |
| Core deposits to total deposits | 88.59% |
| 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 | 106.65% | 91.44% | $0 | $21.5M |
| Q4 2023 | 105.12% | 89.63% | $0 | $15.5M |
| Q1 2024 | 104.82% | 90.15% | $0 | $14.5M |
| Q2 2024 | 105.79% | 89.18% | $0 | $16.5M |
| Q3 2024 | 104.38% | 88.59% | $0 | $15.0M |
| Q4 2024 | 102.26% | 87.78% | $0 | $8.5M |
| Q1 2025 | 101.63% | 88.44% | $0 | $7.5M |
| Q2 2025 | 104.73% | 88.39% | $0 | $16.5M |
| Q3 2025 | 104.46% | 89.26% | $0 | $15.0M |
| Q4 2025 | 109.61% | 89.14% | $0 | $30.5M |
| Q1 2026 | 103.76% | 89.41% | $0 | $19.5M |
| Q2 2026 | 104.77% | 88.59% | $0 | $20.0M |
Heritage Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15282) · FFIEC NIC profile (RSSD 499743)