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 Loan-to-deposit ratio: 7.53 percentage points lower than in Q1 2026, at 89.01%. Hometown Bank ranks 52nd of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 89.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hometown Bank sits 8.17 points higher, at 89.01% (Q2 2026).
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 | $47.7M |
| Fed funds sold and reverse repos | $727K |
| 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 | $16.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.01% |
| Net loans and leases to deposits | 88.34% |
| Loans and leases to core deposits | 99.66% |
| Core deposits to total deposits | 89.31% |
| 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 | 88.18% | 82.66% | $0 | $23.0M |
| Q4 2023 | 91.96% | 84.63% | $0 | $25.2M |
| Q1 2024 | 93.54% | 84.85% | $0 | $30.6M |
| Q2 2024 | 89.86% | 89.43% | $0 | $18.6M |
| Q3 2024 | 91.96% | 90.13% | $0 | $22.3M |
| Q4 2024 | 91.77% | 89.94% | $1.2M | $20.1M |
| Q1 2025 | 90.40% | 89.96% | $963K | $17.4M |
| Q2 2025 | 88.95% | 88.98% | $1.5M | $17.2M |
| Q3 2025 | 90.68% | 90.36% | $2.1M | $16.9M |
| Q4 2025 | 96.66% | 91.07% | $2.7M | $24.2M |
| Q1 2026 | 96.54% | 91.57% | $0 | $29.2M |
| Q2 2026 | 89.01% | 89.31% | $0 | $16.0M |
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 30219) · FFIEC NIC profile (RSSD 940674)