HNB National 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 Brokered deposits to total deposits: 4.52 percentage points higher than in Q1 2026, at 4.52%. Within Missouri, HNB National Bank is 135th of 192 on loan-to-deposit ratio, 75.00% as of Q2 2026, below the middle of the field. HNB National Bank reported 75.00% on loan-to-deposit ratio for Q2 2026, 13.20 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $88.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $367.9M |
| 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 | $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 | 75.00% |
| Net loans and leases to deposits | 74.15% |
| Loans and leases to core deposits | 81.90% |
| Core deposits to total deposits | 91.58% |
| Brokered deposits to total deposits | 4.52% |
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 | 74.03% | 92.62% | $0 | $14.0M |
| Q4 2023 | 80.08% | 94.69% | $0 | $53.0M |
| Q1 2024 | 79.75% | 93.40% | $0 | $32.0M |
| Q2 2024 | 80.06% | 93.48% | $0 | $33.0M |
| Q3 2024 | 80.23% | 92.86% | $0 | $20.0M |
| Q4 2024 | 81.40% | 92.82% | $0 | $20.0M |
| Q1 2025 | 77.21% | 93.02% | $0 | $20.0M |
| Q2 2025 | 76.14% | 92.52% | $0 | $10.0M |
| Q3 2025 | 77.56% | 91.15% | $0 | $0 |
| Q4 2025 | 81.36% | 91.63% | $0 | $0 |
| Q1 2026 | 78.67% | 92.02% | $0 | $0 |
| Q2 2026 | 75.00% | 91.58% | $0 | $0 |
HNB National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock HNB National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4540) · FFIEC NIC profile (RSSD 908553)