Hometown Bank of Corbin Inc.: 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.
Other borrowed money dropped 33.3% in Q2 2026, from $3.0M to $2.0M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Hometown Bank of Corbin Inc. is 94th of 120 on loan-to-deposit ratio, 71.40% as of Q2 2026, below 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 of Corbin Inc. sits 9.44 points lower, at 71.40% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $96.1M |
| Fed funds sold and reverse repos | $400K |
| Fed funds sold and reverse repos to assets | 0.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $10.2M |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.66% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.40% |
| Net loans and leases to deposits | 70.81% |
| Loans and leases to core deposits | 77.12% |
| Core deposits to total deposits | 92.58% |
| 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 | 66.60% | 91.40% | $9.2M | $12.0M |
| Q4 2023 | 69.52% | 90.02% | $9.7M | $9.5M |
| Q1 2024 | 67.05% | 90.19% | $8.1M | $5.0M |
| Q2 2024 | 70.22% | 90.23% | $9.4M | $7.0M |
| Q3 2024 | 63.65% | 91.22% | $10.1M | $0 |
| Q4 2024 | 64.33% | 91.16% | $9.9M | $4.0M |
| Q1 2025 | 64.66% | 91.22% | $10.1M | $0 |
| Q2 2025 | 61.50% | 91.30% | $10.5M | $0 |
| Q3 2025 | 66.22% | 92.47% | $11.2M | $0 |
| Q4 2025 | 70.99% | 92.23% | $12.7M | $6.2M |
| Q1 2026 | 69.65% | 92.01% | $8.7M | $3.0M |
| Q2 2026 | 71.40% | 92.58% | $10.2M | $2.0M |
Hometown Bank of Corbin Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank of Corbin Inc., 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 of Corbin Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35455) · FFIEC NIC profile (RSSD 2897633)