Holcomb 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: 40.8% lower than in Q1 2026, at $10.8M. On loan-to-deposit ratio, Holcomb Bank ranks 29th highest among the 323 banks headquartered in Illinois, at 96.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Holcomb Bank sits 16.16 points higher, at 96.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.2M |
| 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 | $41.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.71% |
| Net loans and leases to deposits | 95.47% |
| Loans and leases to core deposits | 106.04% |
| Core deposits to total deposits | 88.98% |
| Brokered deposits to total deposits | 2.22% |
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 | 89.85% | 89.91% | $0 | $48.0M |
| Q4 2023 | 86.36% | 89.89% | $0 | $48.0M |
| Q1 2024 | 85.75% | 88.29% | $0 | $53.0M |
| Q2 2024 | 90.36% | 90.81% | $0 | $53.0M |
| Q3 2024 | 92.97% | 89.79% | $0 | $53.0M |
| Q4 2024 | 90.54% | 90.18% | $0 | $39.0M |
| Q1 2025 | 90.04% | 89.70% | $0 | $35.0M |
| Q2 2025 | 90.18% | 89.34% | $0 | $33.0M |
| Q3 2025 | 94.69% | 89.21% | $0 | $38.0M |
| Q4 2025 | 97.23% | 89.44% | $0 | $50.0M |
| Q1 2026 | 95.53% | 89.29% | $0 | $46.0M |
| Q2 2026 | 96.71% | 88.98% | $0 | $41.0M |
Holcomb Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Holcomb 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 Holcomb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9080) · FFIEC NIC profile (RSSD 568135)