Hickory Point Bank and 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 climbed 339.2% in Q2 2026, from $1.3M to $5.5M. It was the largest change from Q1 2026 among the key lines here. Hickory Point Bank and Trust ranks 206th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 69.89% (Q2 2026). Hickory Point Bank and Trust reported 69.89% on loan-to-deposit ratio for Q2 2026, 11.06 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $239.6M |
| 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 | $5.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.89% |
| Net loans and leases to deposits | 69.02% |
| Loans and leases to core deposits | 73.66% |
| Core deposits to total deposits | 94.88% |
| 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 | 72.11% | 94.21% | $0 | $30.0M |
| Q4 2023 | 67.76% | 93.90% | $0 | $15.0M |
| Q1 2024 | 71.70% | 93.43% | $0 | $15.0M |
| Q2 2024 | 65.59% | 93.99% | $0 | $15.0M |
| Q3 2024 | 65.50% | 93.74% | $0 | $15.0M |
| Q4 2024 | 72.06% | 92.87% | $0 | $15.0M |
| Q1 2025 | 71.07% | 94.46% | $0 | $5.0M |
| Q2 2025 | 72.38% | 94.96% | $0 | $5.0M |
| Q3 2025 | 72.17% | 94.64% | $0 | $0 |
| Q4 2025 | 70.25% | 93.60% | $0 | $1.3M |
| Q1 2026 | 66.75% | 94.87% | $0 | $1.3M |
| Q2 2026 | 69.89% | 94.88% | $0 | $5.5M |
Hickory Point Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hickory Point Bank and 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 Hickory Point Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22874) · FFIEC NIC profile (RSSD 550635)