Homeland Federal Savings 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.
Loans and leases to core deposits dropped 1.87 percentage points in Q2 2026, from 123.97% to 122.10%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Homeland Federal Savings Bank is 11th of 103 on loan-to-deposit ratio, 98.32% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Homeland Federal Savings Bank sits 17.48 points higher, at 98.32% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.3M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 0.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $14.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.20% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.32% |
| Net loans and leases to deposits | 96.99% |
| Loans and leases to core deposits | 122.10% |
| Core deposits to total deposits | 80.52% |
| Brokered deposits to total deposits | 0.52% |
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 | 96.42% | 81.04% | $0 | $5.0M |
| Q4 2023 | 98.44% | 80.92% | $0 | $10.0M |
| Q1 2024 | 100.52% | 79.74% | $0 | $5.0M |
| Q2 2024 | 101.80% | 77.25% | $0 | $5.0M |
| Q3 2024 | 102.74% | 73.86% | $0 | $11.5M |
| Q4 2024 | 101.16% | 74.27% | $0 | $11.5M |
| Q1 2025 | 101.09% | 76.30% | $0 | $16.5M |
| Q2 2025 | 99.24% | 77.25% | $0 | $16.5M |
| Q3 2025 | 100.42% | 79.13% | $0 | $16.5M |
| Q4 2025 | 100.58% | 79.01% | $0 | $15.5M |
| Q1 2026 | 99.66% | 80.39% | $0 | $14.5M |
| Q2 2026 | 98.32% | 80.52% | $0 | $14.5M |
Homeland Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Homeland Federal Savings 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 Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32459) · FFIEC NIC profile (RSSD 251978)