The Home National Bank of Thorntown: 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 Cash and balances due from depository institutions: 176.6% higher than in Q1 2026, at $12.2M. Within Indiana, The Home National Bank of Thorntown is 59th of 87 on loan-to-deposit ratio, 77.76% as of Q2 2026, below the middle of the field. The Home National Bank of Thorntown reported 77.76% on loan-to-deposit ratio for Q2 2026, 3.08 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 | $12.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.4M |
| Fed funds sold and reverse repos | $2.9M |
| Fed funds sold and reverse repos to assets | 1.56% |
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 | 77.76% |
| Net loans and leases to deposits | 76.58% |
| Loans and leases to core deposits | 84.33% |
| Core deposits to total deposits | 92.20% |
| 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 | 63.73% | 96.82% | $7.3M | $0 |
| Q4 2023 | 65.99% | 96.75% | $6.6M | $0 |
| Q1 2024 | 70.63% | 95.75% | $5.1M | $0 |
| Q2 2024 | 71.34% | 95.47% | $6.8M | $0 |
| Q3 2024 | 76.03% | 95.57% | $0 | $0 |
| Q4 2024 | 75.00% | 95.53% | $0 | $0 |
| Q1 2025 | 72.76% | 96.16% | $0 | $0 |
| Q2 2025 | 74.17% | 96.35% | $0 | $0 |
| Q3 2025 | 77.60% | 93.45% | $0 | $0 |
| Q4 2025 | 79.67% | 93.47% | $0 | $0 |
| Q1 2026 | 81.04% | 92.07% | $0 | $0 |
| Q2 2026 | 77.76% | 92.20% | $0 | $0 |
The Home National Bank of Thorntown liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Home National Bank of Thorntown, 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 National Bank of Thorntown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14225) · FFIEC NIC profile (RSSD 696645)