The Home Loan Savings 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 Other borrowed money: 16.9% lower than in Q1 2026, at $16.5M. Among 156 Ohio banks, The Home Loan Savings Bank sits 8th from the top on loan-to-deposit ratio, 110.05% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Home Loan Savings Bank sits 29.10 points higher, at 110.05% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.8M |
| 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 | $16.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.05% |
| Net loans and leases to deposits | 108.69% |
| Loans and leases to core deposits | 117.32% |
| Core deposits to total deposits | 82.11% |
| Brokered deposits to total deposits | 11.70% |
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 | 112.06% | 91.61% | $0 | $23.6M |
| Q4 2023 | 110.40% | 91.51% | $0 | $19.0M |
| Q1 2024 | 114.18% | 90.61% | $0 | $26.6M |
| Q2 2024 | 119.34% | 90.36% | $0 | $42.8M |
| Q3 2024 | 117.28% | 86.99% | $0 | $36.7M |
| Q4 2024 | 113.42% | 85.56% | $0 | $26.8M |
| Q1 2025 | 115.25% | 84.94% | $0 | $29.6M |
| Q2 2025 | 113.89% | 83.71% | $0 | $30.0M |
| Q3 2025 | 114.11% | 83.18% | $0 | $30.1M |
| Q4 2025 | 111.62% | 81.37% | $0 | $21.8M |
| Q1 2026 | 111.69% | 81.79% | $0 | $19.8M |
| Q2 2026 | 110.05% | 82.11% | $0 | $16.5M |
The Home Loan Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Home Loan Savings 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 The Home Loan Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29695) · FFIEC NIC profile (RSSD 468673)