Home Bank and Trust Company: 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 Loans and leases to core deposits: 10.21 percentage points higher than in Q1 2026, at 115.74%. Within Kansas, Home Bank and Trust Company is 33rd of 182 on loan-to-deposit ratio, 92.60% as of Q2 2026, above the middle of the field. Home Bank and Trust Company reported 92.60% on loan-to-deposit ratio for Q2 2026, 11.65 points above 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 | $13.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.3M |
| Fed funds sold and reverse repos | $506K |
| Fed funds sold and reverse repos to assets | 0.28% |
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 | 92.60% |
| Net loans and leases to deposits | 91.54% |
| Loans and leases to core deposits | 115.74% |
| Core deposits to total deposits | 80.01% |
| 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 | 96.20% | 87.11% | $0 | $2.0M |
| Q4 2023 | 94.32% | 88.48% | $0 | $2.0M |
| Q1 2024 | 99.98% | 88.31% | $0 | $7.0M |
| Q2 2024 | 91.56% | 86.12% | $0 | $0 |
| Q3 2024 | 92.56% | 85.13% | $0 | $0 |
| Q4 2024 | 90.32% | 84.57% | $0 | $0 |
| Q1 2025 | 87.97% | 85.49% | $0 | $0 |
| Q2 2025 | 89.98% | 83.54% | $0 | $0 |
| Q3 2025 | 81.38% | 83.15% | $0 | $0 |
| Q4 2025 | 79.60% | 84.12% | $0 | $0 |
| Q1 2026 | 89.01% | 84.34% | $0 | $0 |
| Q2 2026 | 92.60% | 80.01% | $0 | $0 |
Home Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank and Trust Company, 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 Home Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4664) · FFIEC NIC profile (RSSD 840251)