Home 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 Loans and leases to core deposits: 30.43 percentage points higher than in Q1 2026, at 149.17%. Among 44 Utah banks, Home Savings Bank sits 2nd from the top on loan-to-deposit ratio, 122.42% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Home Savings Bank reported 122.42% on loan-to-deposit ratio in Q2 2026, 41.59 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.8M |
| Fed funds sold and reverse repos | $999K |
| Fed funds sold and reverse repos to assets | 0.92% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $14.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.42% |
| Net loans and leases to deposits | 121.12% |
| Loans and leases to core deposits | 149.17% |
| Core deposits to total deposits | 71.64% |
| Brokered deposits to total deposits | 10.43% |
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 | 126.65% | 65.45% | $0 | $18.2M |
| Q4 2023 | 131.34% | 64.39% | $0 | $19.9M |
| Q1 2024 | 135.82% | 67.53% | $0 | $25.7M |
| Q2 2024 | 128.71% | 65.11% | $0 | $22.7M |
| Q3 2024 | 118.50% | 66.41% | $0 | $16.0M |
| Q4 2024 | 108.46% | 76.44% | $0 | $10.0M |
| Q1 2025 | 112.41% | 69.90% | $0 | $8.5M |
| Q2 2025 | 112.63% | 67.90% | $0 | $9.5M |
| Q3 2025 | 113.83% | 66.89% | $0 | $11.0M |
| Q4 2025 | 107.66% | 64.31% | $0 | $5.0M |
| Q1 2026 | 100.62% | 70.08% | $0 | $5.0M |
| Q2 2026 | 122.42% | 71.64% | $0 | $14.5M |
Home Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Home 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 Home Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26798) · FFIEC NIC profile (RSSD 460770)