Homestead 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.16 percentage points higher than in Q1 2026, at 81.11%. Within Michigan, Homestead Savings Bank is 40th of 72 on loan-to-deposit ratio, 78.08% as of Q2 2026, below the middle of the field. Homestead Savings Bank reported 78.08% on loan-to-deposit ratio for Q2 2026, 10.46 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.9M |
| 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 | 78.08% |
| Net loans and leases to deposits | 77.12% |
| Loans and leases to core deposits | 81.11% |
| Core deposits to total deposits | 96.27% |
| 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 | 76.96% | 96.93% | $0 | $0 |
| Q4 2023 | 76.77% | 96.89% | $0 | $0 |
| Q1 2024 | 74.40% | 97.00% | $0 | $0 |
| Q2 2024 | 79.03% | 97.46% | $0 | $0 |
| Q3 2024 | 81.44% | 97.41% | $0 | $0 |
| Q4 2024 | 81.09% | 97.38% | $0 | $0 |
| Q1 2025 | 78.63% | 96.74% | $0 | $0 |
| Q2 2025 | 81.78% | 96.80% | $0 | $0 |
| Q3 2025 | 80.10% | 96.78% | $0 | $0 |
| Q4 2025 | 79.84% | 96.78% | $0 | $0 |
| Q1 2026 | 77.06% | 96.39% | $0 | $0 |
| Q2 2026 | 78.08% | 96.27% | $0 | $0 |
Homestead Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Homestead 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 Homestead Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28667) · FFIEC NIC profile (RSSD 132778)