Home State BANK/N.A.: 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.
Loans and leases to core deposits climbed 3.46 percentage points in Q2 2026, from 75.82% to 79.28%. It was the largest change from Q1 2026 among the key lines here. Home State BANK/N.A. ranks 161st of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 75.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Home State BANK/N.A. sits 5.43 points lower, at 75.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $221.2M |
| 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 | 75.41% |
| Net loans and leases to deposits | 74.48% |
| Loans and leases to core deposits | 79.28% |
| Core deposits to total deposits | 95.11% |
| 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 | 68.18% | 95.98% | $0 | $0 |
| Q4 2023 | 70.91% | 96.82% | $0 | $1.0M |
| Q1 2024 | 71.14% | 96.09% | $0 | $0 |
| Q2 2024 | 75.67% | 95.81% | $0 | $10.0M |
| Q3 2024 | 76.78% | 95.56% | $0 | $10.0M |
| Q4 2024 | 75.02% | 95.70% | $0 | $10.0M |
| Q1 2025 | 72.95% | 95.28% | $0 | $0 |
| Q2 2025 | 72.75% | 96.18% | $0 | $0 |
| Q3 2025 | 74.64% | 96.09% | $0 | $0 |
| Q4 2025 | 73.48% | 95.95% | $0 | $0 |
| Q1 2026 | 72.58% | 95.73% | $0 | $0 |
| Q2 2026 | 75.41% | 95.11% | $0 | $0 |
Home State BANK/N.A. 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/N.A., 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/N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12815) · FFIEC NIC profile (RSSD 696430)