Homeland Community 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 Cash and balances due from depository institutions: 27.1% higher than in Q1 2026, at $28.5M. Homeland Community Bank has the 10th lowest loan-to-deposit ratio of the 109 banks headquartered in Tennessee, at 60.34% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Homeland Community Bank sits 20.50 points lower, at 60.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $96.8M |
| 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 | 60.34% |
| Net loans and leases to deposits | 59.83% |
| Loans and leases to core deposits | 70.13% |
| Core deposits to total deposits | 86.04% |
| 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 | 58.22% | 87.28% | $0 | $0 |
| Q4 2023 | 59.32% | 86.97% | $0 | $2.0M |
| Q1 2024 | 58.65% | 84.31% | $0 | $0 |
| Q2 2024 | 59.44% | 83.88% | $0 | $0 |
| Q3 2024 | 59.61% | 84.08% | $0 | $0 |
| Q4 2024 | 59.58% | 84.62% | $0 | $0 |
| Q1 2025 | 59.01% | 84.65% | $0 | $0 |
| Q2 2025 | 58.15% | 84.44% | $0 | $0 |
| Q3 2025 | 60.05% | 84.54% | $0 | $0 |
| Q4 2025 | 62.78% | 84.14% | $0 | $0 |
| Q1 2026 | 61.01% | 86.12% | $0 | $0 |
| Q2 2026 | 60.34% | 86.04% | $0 | $0 |
Homeland Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Homeland Community 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 Homeland Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57632) · FFIEC NIC profile (RSSD 3223408)