Hometown Bank, N.A.: 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 climbed 3.89 percentage points in Q2 2026, from 91.84% to 95.73%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Hometown Bank, N.A. is 138th of 346 on loan-to-deposit ratio, 78.30% 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. Hometown Bank, N.A. sits 2.54 points lower, at 78.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $272.7M |
| 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 | $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 | 78.30% |
| Net loans and leases to deposits | 77.47% |
| Loans and leases to core deposits | 95.73% |
| Core deposits to total deposits | 81.79% |
| 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 | 66.36% | 84.91% | $0 | $38.0M |
| Q4 2023 | 67.92% | 84.63% | $0 | $45.0M |
| Q1 2024 | 65.82% | 77.41% | $0 | $40.0M |
| Q2 2024 | 66.44% | 80.94% | $0 | $35.0M |
| Q3 2024 | 65.63% | 76.58% | $0 | $0 |
| Q4 2024 | 66.62% | 82.36% | $0 | $0 |
| Q1 2025 | 68.26% | 81.14% | $0 | $0 |
| Q2 2025 | 76.78% | 80.65% | $0 | $14.0M |
| Q3 2025 | 77.28% | 80.84% | $0 | $7.0M |
| Q4 2025 | 76.67% | 82.51% | $0 | $0 |
| Q1 2026 | 75.68% | 82.40% | $0 | $0 |
| Q2 2026 | 78.30% | 81.79% | $0 | $0 |
Hometown Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19603) · FFIEC NIC profile (RSSD 393953)