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 Fed funds sold and reverse repos: 46.2% lower than in Q1 2026, at $1.2M. Within Kansas, Home Savings Bank is 74th of 182 on loan-to-deposit ratio, 80.40% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Home Savings Bank reported 80.40% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.0M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 1.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.40% |
| Net loans and leases to deposits | 79.26% |
| Loans and leases to core deposits | 114.17% |
| Core deposits to total deposits | 65.83% |
| Brokered deposits to total deposits | 4.59% |
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 | 94.03% | 64.58% | $0 | $5.0M |
| Q4 2023 | 94.24% | 64.20% | $0 | $5.0M |
| Q1 2024 | 96.16% | 66.35% | $0 | $3.5M |
| Q2 2024 | 94.33% | 64.91% | $0 | $3.5M |
| Q3 2024 | 91.62% | 62.77% | $0 | $3.5M |
| Q4 2024 | 95.08% | 60.72% | $118K | $6.8M |
| Q1 2025 | 89.15% | 62.52% | $0 | $5.0M |
| Q2 2025 | 90.06% | 64.86% | $0 | $7.6M |
| Q3 2025 | 86.76% | 65.78% | $0 | $4.4M |
| Q4 2025 | 84.99% | 61.74% | $289K | $3.5M |
| Q1 2026 | 83.69% | 65.84% | $0 | $4.0M |
| Q2 2026 | 80.40% | 65.83% | $0 | $4.0M |
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 28246) · FFIEC NIC profile (RSSD 765877)