Home Savings Bank of Wapakoneta: 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.
Cash and balances due from depository institutions climbed 75.7% in Q2 2026, from $2.2M to $3.9M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Home Savings Bank of Wapakoneta is 23rd of 156 on loan-to-deposit ratio, 98.47% 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 of Wapakoneta sits 30.85 points higher, at 98.47% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $7.5M |
| 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 | $2.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.47% |
| Net loans and leases to deposits | 97.76% |
| Loans and leases to core deposits | 102.39% |
| Core deposits to total deposits | 96.17% |
| 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 | 89.46% | 95.78% | $0 | $0 |
| Q4 2023 | 93.51% | 97.71% | $0 | $500K |
| Q1 2024 | 100.50% | 97.63% | $0 | $2.5M |
| Q2 2024 | 98.48% | 97.69% | $0 | $2.5M |
| Q3 2024 | 100.52% | 96.45% | $0 | $2.5M |
| Q4 2024 | 107.81% | 97.74% | $0 | $5.0M |
| Q1 2025 | 104.73% | 97.81% | $0 | $3.8M |
| Q2 2025 | 102.32% | 97.86% | $0 | $2.0M |
| Q3 2025 | 107.00% | 94.83% | $0 | $2.5M |
| Q4 2025 | 106.06% | 90.84% | $0 | $2.0M |
| Q1 2026 | 103.61% | 93.92% | $0 | $2.8M |
| Q2 2026 | 98.47% | 96.17% | $0 | $2.1M |
Home Savings Bank of Wapakoneta 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 of Wapakoneta, 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 of Wapakoneta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30176) · FFIEC NIC profile (RSSD 868572)