Homestead 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 4.43 percentage points in Q2 2026, from 91.57% to 87.15%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Homestead Bank is 87th of 138 on loan-to-deposit ratio, 81.19% as of Q2 2026, below the middle of the field. At 81.19%, Homestead Bank's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $174.7M |
| 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 | $22.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.19% |
| Net loans and leases to deposits | 80.21% |
| Loans and leases to core deposits | 87.15% |
| Core deposits to total deposits | 93.17% |
| 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 | 84.98% | 93.57% | $0 | $61.8M |
| Q4 2023 | 89.65% | 94.14% | $0 | $69.0M |
| Q1 2024 | 86.88% | 94.47% | $0 | $46.7M |
| Q2 2024 | 86.97% | 93.82% | $0 | $42.0M |
| Q3 2024 | 83.42% | 93.11% | $0 | $28.5M |
| Q4 2024 | 89.99% | 93.72% | $793K | $28.1M |
| Q1 2025 | 86.10% | 93.85% | $0 | $27.2M |
| Q2 2025 | 86.36% | 93.32% | $0 | $25.1M |
| Q3 2025 | 84.80% | 92.99% | $0 | $25.0M |
| Q4 2025 | 93.06% | 93.30% | $0 | $24.7M |
| Q1 2026 | 85.36% | 93.22% | $0 | $22.7M |
| Q2 2026 | 81.19% | 93.17% | $0 | $22.5M |
Homestead Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Homestead 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 Homestead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11482) · FFIEC NIC profile (RSSD 140157)