Hometown Community 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: 10.94 percentage points higher than in Q1 2026, at 118.51%. Within Minnesota, Hometown Community Bank is 34th of 221 on loan-to-deposit ratio, 100.24% 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 Community Bank sits 19.40 points higher, at 100.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $13.1M |
| Fed funds sold and reverse repos | $79K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.24% |
| Net loans and leases to deposits | 99.15% |
| Loans and leases to core deposits | 118.51% |
| Core deposits to total deposits | 84.58% |
| 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 | 99.28% | 94.19% | $0 | $4.7M |
| Q4 2023 | 97.20% | 92.40% | $300K | $4.7M |
| Q1 2024 | 92.48% | 93.82% | $0 | $0 |
| Q2 2024 | 99.65% | 92.37% | $0 | $2.6M |
| Q3 2024 | 97.15% | 92.33% | $0 | $1.0M |
| Q4 2024 | 98.91% | 91.95% | $0 | $2.6M |
| Q1 2025 | 93.86% | 89.95% | $0 | $1.0M |
| Q2 2025 | 97.70% | 89.43% | $0 | $3.4M |
| Q3 2025 | 99.12% | 88.34% | $0 | $5.6M |
| Q4 2025 | 92.96% | 87.02% | $0 | $1.0M |
| Q1 2026 | 92.69% | 86.16% | $0 | $0 |
| Q2 2026 | 100.24% | 84.58% | $0 | $4.7M |
Hometown Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10197) · FFIEC NIC profile (RSSD 156457)