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 Fed funds purchased and repos: 31.0% lower than in Q1 2026, at $5.6M. Home State Bank ranks 177th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 62.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Home State Bank sits 17.94 points lower, at 62.90% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.8M |
| Fed funds sold and reverse repos | $35K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.6M |
| 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 | 62.90% |
| Net loans and leases to deposits | 62.18% |
| Loans and leases to core deposits | 66.14% |
| Core deposits to total deposits | 95.09% |
| 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 | 56.74% | 96.91% | $7.2M | $13.0M |
| Q4 2023 | 60.19% | 95.27% | $8.9M | $13.0M |
| Q1 2024 | 60.99% | 94.70% | $7.0M | $8.5M |
| Q2 2024 | 62.12% | 93.75% | $3.2M | $13.7M |
| Q3 2024 | 64.55% | 93.41% | $4.3M | $16.2M |
| Q4 2024 | 63.37% | 95.84% | $6.9M | $16.2M |
| Q1 2025 | 61.76% | 94.80% | $5.0M | $12.2M |
| Q2 2025 | 67.32% | 94.94% | $5.6M | $11.2M |
| Q3 2025 | 66.85% | 95.49% | $3.7M | $8.2M |
| Q4 2025 | 65.40% | 95.49% | $7.6M | $0 |
| Q1 2026 | 61.54% | 95.23% | $8.1M | $0 |
| Q2 2026 | 62.90% | 95.09% | $5.6M | $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 9745) · FFIEC NIC profile (RSSD 983550)