Home Federal Savings and Loan Association of Niles Ohio: 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: 5.77 percentage points lower than in Q1 2026, at 258.51%. Among 156 Ohio banks, Home Federal Savings and Loan Association of Niles Ohio sits 3rd from the top on loan-to-deposit ratio, 141.66% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Home Federal Savings and Loan Association of Niles Ohio reported 141.66% on loan-to-deposit ratio in Q2 2026, 60.82 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.2M |
| 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 | $53.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 33.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 141.66% |
| Net loans and leases to deposits | 140.70% |
| Loans and leases to core deposits | 258.51% |
| Core deposits to total deposits | 54.80% |
| Brokered deposits to total deposits | 12.30% |
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 | 152.75% | 68.57% | $0 | $59.4M |
| Q4 2023 | 128.74% | 61.58% | $0 | $53.1M |
| Q1 2024 | 127.62% | 60.73% | $0 | $53.1M |
| Q2 2024 | 132.71% | 59.63% | $0 | $50.0M |
| Q3 2024 | 138.85% | 58.29% | $0 | $51.5M |
| Q4 2024 | 143.23% | 57.15% | $0 | $56.4M |
| Q1 2025 | 140.13% | 54.13% | $0 | $54.7M |
| Q2 2025 | 140.47% | 53.34% | $0 | $51.0M |
| Q3 2025 | 139.80% | 53.66% | $0 | $52.5M |
| Q4 2025 | 135.62% | 53.64% | $0 | $49.0M |
| Q1 2026 | 141.68% | 53.61% | $0 | $51.0M |
| Q2 2026 | 141.66% | 54.80% | $0 | $53.0M |
Home Federal Savings and Loan Association of Niles Ohio liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Federal Savings and Loan Association of Niles Ohio, 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 Federal Savings and Loan Association of Niles Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28349) · FFIEC NIC profile (RSSD 71073)