Home Savings Bank, FSB: 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.
Other borrowed money to assets dropped 5.23 percentage points in Q2 2026, from 15.01% to 9.78%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Home Savings Bank, FSB is 14th of 120 on loan-to-deposit ratio, 100.35% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Home Savings Bank, FSB sits 32.72 points higher, at 100.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $4.9M |
| 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 | $2.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.35% |
| Net loans and leases to deposits | 99.56% |
| Loans and leases to core deposits | 107.94% |
| Core deposits to total deposits | 92.97% |
| 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 | 108.25% | 94.82% | $0 | $5.0M |
| Q4 2023 | 106.68% | 94.16% | $0 | $5.9M |
| Q1 2024 | 110.93% | 97.17% | $0 | $5.1M |
| Q2 2024 | 118.24% | 98.44% | $0 | $5.8M |
| Q3 2024 | 119.84% | 98.43% | $0 | $5.2M |
| Q4 2024 | 121.08% | 97.13% | $0 | $5.6M |
| Q1 2025 | 119.86% | 97.15% | $0 | $5.6M |
| Q2 2025 | 117.30% | 98.52% | $0 | $5.3M |
| Q3 2025 | 112.76% | 93.98% | $0 | $4.2M |
| Q4 2025 | 110.79% | 94.08% | $0 | $4.1M |
| Q1 2026 | 100.61% | 94.23% | $0 | $4.1M |
| Q2 2026 | 100.35% | 92.97% | $0 | $2.5M |
Home Savings Bank, FSB 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, FSB, 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, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31723) · FFIEC NIC profile (RSSD 33370)