Home National 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 Fed funds sold and reverse repos: 528.1% higher than in Q1 2026, at $7.0M. Within Ohio, Home National Bank is 120th of 156 on loan-to-deposit ratio, 68.41% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; Home National Bank reported 68.41% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.2M |
| Fed funds sold and reverse repos | $7.0M |
| Fed funds sold and reverse repos to assets | 7.38% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.41% |
| Net loans and leases to deposits | 67.25% |
| Loans and leases to core deposits | 77.24% |
| Core deposits to total deposits | 88.58% |
| 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 | 68.60% | 87.36% | $0 | $3.7M |
| Q4 2023 | 72.71% | 81.72% | $0 | $3.2M |
| Q1 2024 | 74.18% | 82.76% | $269K | $3.2M |
| Q2 2024 | 73.18% | 85.39% | $0 | $3.2M |
| Q3 2024 | 67.64% | 87.12% | $0 | $3.2M |
| Q4 2024 | 70.71% | 85.16% | $0 | $3.2M |
| Q1 2025 | 69.77% | 88.25% | $0 | $3.2M |
| Q2 2025 | 71.55% | 88.04% | $0 | $3.2M |
| Q3 2025 | 70.43% | 85.22% | $0 | $1.6M |
| Q4 2025 | 71.51% | 86.63% | $0 | $1.6M |
| Q1 2026 | 73.35% | 87.99% | $0 | $1.6M |
| Q2 2026 | 68.41% | 88.58% | $0 | $1.6M |
Home National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Home National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6680) · FFIEC NIC profile (RSSD 79127)