Home Bank, N.A.: 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.
Cash and balances due from depository institutions dropped 15.7% in Q2 2026, from $223.5M to $188.3M. It was the largest change from Q1 2026 among the key lines here. Home Bank, N.A. ranks 28th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 90.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Home Bank, N.A. reported 90.31% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $188.3M |
| Cash and noninterest-bearing balances to assets | 5.23% |
| Cash and securities | $597.4M |
| 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 | 90.31% |
| Net loans and leases to deposits | 89.21% |
| Loans and leases to core deposits | 97.28% |
| Core deposits to total deposits | 90.85% |
| Brokered deposits to total deposits | 1.99% |
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 | 98.45% | 91.99% | $0 | $289.4M |
| Q4 2023 | 96.39% | 90.67% | $0 | $198.3M |
| Q1 2024 | 96.13% | 90.25% | $0 | $179.1M |
| Q2 2024 | 97.57% | 90.17% | $0 | $224.0M |
| Q3 2024 | 95.81% | 89.36% | $0 | $178.9M |
| Q4 2024 | 97.53% | 89.11% | $0 | $181.1M |
| Q1 2025 | 96.98% | 88.88% | $0 | $168.8M |
| Q2 2025 | 94.92% | 88.50% | $0 | $93.7M |
| Q3 2025 | 90.86% | 88.74% | $0 | $8.6M |
| Q4 2025 | 92.11% | 88.93% | $0 | $3.0M |
| Q1 2026 | 90.00% | 89.93% | $0 | $0 |
| Q2 2026 | 90.31% | 90.85% | $0 | $0 |
Home Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28094) · FFIEC NIC profile (RSSD 929978)