Home State 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: 4.31 percentage points higher than in Q1 2026, at 123.82%. Home State Bank ranks 81st of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 88.93% (Q2 2026). Home State Bank reported 88.93% on loan-to-deposit ratio for Q2 2026, 8.09 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $82.3M |
| 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 | 88.93% |
| Net loans and leases to deposits | 86.61% |
| Loans and leases to core deposits | 123.82% |
| Core deposits to total deposits | 52.21% |
| Brokered deposits to total deposits | 19.61% |
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 | 90.32% | 75.21% | $402K | $5.0M |
| Q4 2023 | 90.53% | 68.70% | $356K | $5.0M |
| Q1 2024 | 88.38% | 66.87% | $225K | $5.0M |
| Q2 2024 | 87.41% | 67.66% | $204K | $5.0M |
| Q3 2024 | 88.81% | 62.35% | $184K | $4.0M |
| Q4 2024 | 88.01% | 61.75% | $14K | $0 |
| Q1 2025 | 86.92% | 63.15% | $0 | $0 |
| Q2 2025 | 88.11% | 63.64% | $0 | $0 |
| Q3 2025 | 88.14% | 60.25% | $0 | $0 |
| Q4 2025 | 88.96% | 56.17% | $0 | $0 |
| Q1 2026 | 87.17% | 53.80% | $0 | $0 |
| Q2 2026 | 88.93% | 52.21% | $0 | $0 |
Home State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Home State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14867) · FFIEC NIC profile (RSSD 653947)