Home Banking 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.
Loans and leases to core deposits climbed 5.31 percentage points in Q2 2026, from 65.55% to 70.85%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Home Banking Company is 7th from the bottom among 109 Tennessee banks, 56.16% (Q2 2026). Home Banking Company reported 56.16% on loan-to-deposit ratio for Q2 2026, 24.68 points below 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 | $11.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.5M |
| Fed funds sold and reverse repos | $6.6M |
| Fed funds sold and reverse repos to assets | 5.33% |
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 | 56.16% |
| Net loans and leases to deposits | 55.65% |
| Loans and leases to core deposits | 70.85% |
| Core deposits to total deposits | 79.26% |
| 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 | 52.20% | 80.58% | $7.3M | $0 |
| Q4 2023 | 51.64% | 80.76% | $0 | $9.5M |
| Q1 2024 | 50.19% | 81.31% | $0 | $6.0M |
| Q2 2024 | 53.19% | 79.83% | $0 | $6.0M |
| Q3 2024 | 53.37% | 77.01% | $0 | $6.0M |
| Q4 2024 | 52.33% | 75.84% | $0 | $6.0M |
| Q1 2025 | 50.63% | 73.01% | $0 | $6.0M |
| Q2 2025 | 53.76% | 78.25% | $0 | $0 |
| Q3 2025 | 55.94% | 80.02% | $0 | $1.5M |
| Q4 2025 | 54.34% | 82.52% | $0 | $0 |
| Q1 2026 | 52.80% | 80.55% | $0 | $0 |
| Q2 2026 | 56.16% | 79.26% | $0 | $0 |
Home Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Banking 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9196) · FFIEC NIC profile (RSSD 138556)