Hometown 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 Other borrowed money: 14.1% lower than in Q1 2026, at $11.9M. Hometown Bank ranks 99th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 83.49% (Q2 2026). Hometown Bank reported 83.49% on loan-to-deposit ratio for Q2 2026, 2.94 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $137.4M |
| 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 | $3.5M |
| Other borrowed money | $11.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.49% |
| Net loans and leases to deposits | 82.45% |
| Loans and leases to core deposits | 85.84% |
| Core deposits to total deposits | 94.61% |
| Brokered deposits to total deposits | 2.65% |
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 | 68.84% | 97.33% | $0 | $22.5M |
| Q4 2023 | 69.81% | 97.23% | $1.3M | $25.3M |
| Q1 2024 | 72.44% | 97.09% | $3.3M | $29.7M |
| Q2 2024 | 71.95% | 97.76% | $0 | $22.1M |
| Q3 2024 | 73.47% | 97.98% | $860K | $22.0M |
| Q4 2024 | 71.71% | 95.63% | $2.0M | $9.9M |
| Q1 2025 | 71.18% | 95.72% | $0 | $7.0M |
| Q2 2025 | 74.12% | 95.15% | $0 | $13.6M |
| Q3 2025 | 73.87% | 95.00% | $0 | $9.7M |
| Q4 2025 | 77.07% | 95.80% | $0 | $22.6M |
| Q1 2026 | 82.51% | 94.55% | $0 | $13.9M |
| Q2 2026 | 83.49% | 94.61% | $3.5M | $11.9M |
Hometown Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown 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 Hometown Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31028) · FFIEC NIC profile (RSSD 788773)