Home Loan State 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.
Brokered deposits to total deposits climbed 0.77 percentage points in Q2 2026, from 0.90% to 1.67%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Home Loan State Bank is 2nd from the bottom among 63 Colorado banks, 41.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Home Loan State Bank sits 39.49 points lower, at 41.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.4M |
| 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 | $2.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.35% |
| Net loans and leases to deposits | 40.92% |
| Loans and leases to core deposits | 41.80% |
| Core deposits to total deposits | 98.92% |
| Brokered deposits to total deposits | 1.67% |
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 | 44.20% | 98.84% | $0 | $2.5M |
| Q4 2023 | 44.72% | 99.43% | $0 | $2.5M |
| Q1 2024 | 47.14% | 99.26% | $0 | $2.4M |
| Q2 2024 | 48.20% | 98.79% | $0 | $2.4M |
| Q3 2024 | 46.30% | 98.85% | $0 | $2.4M |
| Q4 2024 | 45.28% | 98.89% | $0 | $2.4M |
| Q1 2025 | 45.12% | 98.70% | $0 | $2.3M |
| Q2 2025 | 45.64% | 98.76% | $0 | $2.3M |
| Q3 2025 | 44.92% | 98.79% | $0 | $2.3M |
| Q4 2025 | 40.84% | 98.96% | $0 | $2.3M |
| Q1 2026 | 41.19% | 98.61% | $0 | $2.2M |
| Q2 2026 | 41.35% | 98.92% | $0 | $2.2M |
Home Loan State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Loan State 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 Home Loan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90040) · FFIEC NIC profile (RSSD 499154)