Hershey 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.
Cash and balances due from depository institutions dropped 49.8% in Q2 2026, from $12.5M to $6.3M. It was the largest change from Q1 2026 among the key lines here. Among 138 Nebraska banks, Hershey Bank sits 2nd from the top on loan-to-deposit ratio, 111.81% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Hershey Bank sits 31.26 points higher, at 111.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.5M |
| 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 | $12.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.81% |
| Net loans and leases to deposits | 110.28% |
| Loans and leases to core deposits | 123.03% |
| Core deposits to total deposits | 84.75% |
| Brokered deposits to total deposits | 8.43% |
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 | 100.42% | 81.71% | $351K | $6.3M |
| Q4 2023 | 99.33% | 84.47% | $744K | $3.3M |
| Q1 2024 | 96.77% | 83.76% | $0 | $3.1M |
| Q2 2024 | 106.75% | 84.63% | $0 | $5.1M |
| Q3 2024 | 113.53% | 81.98% | $0 | $14.5M |
| Q4 2024 | 118.07% | 80.71% | $0 | $19.0M |
| Q1 2025 | 109.14% | 80.63% | $0 | $8.2M |
| Q2 2025 | 112.45% | 82.16% | $0 | $11.0M |
| Q3 2025 | 118.58% | 83.13% | $0 | $18.0M |
| Q4 2025 | 115.83% | 84.35% | $0 | $21.0M |
| Q1 2026 | 108.11% | 85.36% | $0 | $16.9M |
| Q2 2026 | 111.81% | 84.75% | $0 | $12.9M |
Hershey Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hershey 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 Hershey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19809) · FFIEC NIC profile (RSSD 96553)