Home Savings and Loan Association of Carroll County, F.A.: 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: 3.35 percentage points higher than in Q1 2026, at 95.06%. Within Missouri, Home Savings and Loan Association of Carroll County, F.A. is 115th of 192 on loan-to-deposit ratio, 79.91% as of Q2 2026, below the middle of the field. At 79.91%, Home Savings and Loan Association of Carroll County, F.A.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
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 | $37.3M |
| 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 | $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 | 79.91% |
| Net loans and leases to deposits | 78.95% |
| Loans and leases to core deposits | 95.06% |
| Core deposits to total deposits | 84.05% |
| 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 | 90.94% | 92.18% | $0 | $13.1M |
| Q4 2023 | 88.34% | 88.36% | $0 | $10.4M |
| Q1 2024 | 88.50% | 87.28% | $0 | $7.8M |
| Q2 2024 | 87.73% | 86.88% | $0 | $6.5M |
| Q3 2024 | 85.14% | 85.82% | $0 | $5.5M |
| Q4 2024 | 83.20% | 86.51% | $0 | $3.5M |
| Q1 2025 | 79.22% | 87.12% | $0 | $2.5M |
| Q2 2025 | 82.69% | 86.36% | $0 | $2.5M |
| Q3 2025 | 85.63% | 85.43% | $0 | $2.5M |
| Q4 2025 | 78.89% | 85.80% | $0 | $0 |
| Q1 2026 | 77.36% | 84.35% | $0 | $0 |
| Q2 2026 | 79.91% | 84.05% | $0 | $0 |
Home Savings and Loan Association of Carroll County, F.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Savings and Loan Association of Carroll County, F.A., 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 Savings and Loan Association of Carroll County, F.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27898) · FFIEC NIC profile (RSSD 612878)