Highlands 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 30.5% higher than in Q1 2026, at $10.0M. Highlands Community Bank has the 3rd lowest loan-to-deposit ratio of the 56 banks headquartered in Virginia, at 49.25% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Highlands Community Bank sits 31.59 points lower, at 49.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $96.7M |
| 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 | $35K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.25% |
| Net loans and leases to deposits | 48.58% |
| Loans and leases to core deposits | 60.57% |
| Core deposits to total deposits | 81.31% |
| Brokered deposits to total deposits | 6.06% |
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 | 58.09% | 89.36% | $0 | $8K |
| Q4 2023 | 59.09% | 87.98% | $0 | $6K |
| Q1 2024 | 61.75% | 85.12% | $3.3M | $4K |
| Q2 2024 | 59.71% | 84.44% | $0 | $2K |
| Q3 2024 | 58.09% | 89.20% | $0 | $53K |
| Q4 2024 | 57.56% | 83.34% | $0 | $50K |
| Q1 2025 | 57.66% | 84.02% | $0 | $48K |
| Q2 2025 | 55.60% | 84.89% | $0 | $45K |
| Q3 2025 | 53.62% | 83.35% | $0 | $43K |
| Q4 2025 | 52.80% | 83.52% | $0 | $3.0M |
| Q1 2026 | 50.12% | 81.49% | $0 | $37K |
| Q2 2026 | 49.25% | 81.31% | $0 | $35K |
Highlands Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Highlands 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 Highlands Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57420) · FFIEC NIC profile (RSSD 3125315)