The Hometown Savings 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 Core deposits to total deposits: 2.71 percentage points higher than in Q1 2026, at 91.27%. Within Indiana, The Hometown Savings Bank is 67th of 87 on loan-to-deposit ratio, 72.35% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Hometown Savings Bank sits 8.60 points lower, at 72.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $133.5M |
| Fed funds sold and reverse repos | $1.4M |
| Fed funds sold and reverse repos to assets | 0.30% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $18.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.35% |
| Net loans and leases to deposits | 71.57% |
| Loans and leases to core deposits | 79.27% |
| Core deposits to total deposits | 91.27% |
| 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 | 70.56% | 93.33% | $0 | $72.5M |
| Q4 2023 | 68.32% | 89.96% | $0 | $48.5M |
| Q1 2024 | 66.11% | 88.83% | $0 | $47.0M |
| Q2 2024 | 65.03% | 90.47% | $0 | $42.0M |
| Q3 2024 | 65.74% | 87.77% | $0 | $30.0M |
| Q4 2024 | 65.96% | 85.29% | $0 | $30.0M |
| Q1 2025 | 65.31% | 85.76% | $0 | $25.0M |
| Q2 2025 | 66.29% | 88.43% | $0 | $25.0M |
| Q3 2025 | 71.53% | 91.67% | $0 | $28.0M |
| Q4 2025 | 74.07% | 88.20% | $0 | $31.0M |
| Q1 2026 | 71.62% | 88.56% | $0 | $18.0M |
| Q2 2026 | 72.35% | 91.27% | $0 | $18.0M |
The Hometown Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hometown Savings 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 The Hometown Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17736) · FFIEC NIC profile (RSSD 697147)