HNB First 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 Fed funds sold and reverse repos: 65.1% higher than in Q1 2026, at $9.7M. HNB First Bank ranks 15th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 88.12% (Q2 2026). HNB First Bank reported 88.12% on loan-to-deposit ratio for Q2 2026, 7.28 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 | $23.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.1M |
| Fed funds sold and reverse repos | $9.7M |
| Fed funds sold and reverse repos to assets | 3.44% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.12% |
| Net loans and leases to deposits | 86.99% |
| Loans and leases to core deposits | 109.37% |
| Core deposits to total deposits | 80.57% |
| 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 | 77.84% | 85.51% | $0 | $0 |
| Q4 2023 | 73.82% | 86.35% | $0 | $0 |
| Q1 2024 | 75.00% | 85.46% | $0 | $0 |
| Q2 2024 | 79.54% | 85.01% | $0 | $0 |
| Q3 2024 | 80.91% | 83.41% | $0 | $0 |
| Q4 2024 | 78.46% | 83.15% | $0 | $0 |
| Q1 2025 | 76.76% | 81.45% | $0 | $0 |
| Q2 2025 | 80.72% | 82.52% | $0 | $0 |
| Q3 2025 | 77.47% | 81.74% | $0 | $0 |
| Q4 2025 | 80.19% | 81.17% | $0 | $0 |
| Q1 2026 | 87.73% | 80.26% | $0 | $0 |
| Q2 2026 | 88.12% | 80.57% | $0 | $0 |
HNB First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock HNB First 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 HNB First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2805) · FFIEC NIC profile (RSSD 117038)