HomeTrust 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 Other borrowed money: 90.4% higher than in Q1 2026, at $179.0M. Among 38 North Carolina banks, HomeTrust Bank sits 2nd from the top on loan-to-deposit ratio, 103.61% as of Q2 2026. HomeTrust Bank reported 103.61% on loan-to-deposit ratio for Q2 2026, 15.41 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $283.0M |
| Cash and noninterest-bearing balances to assets | 6.38% |
| Cash and securities | $428.9M |
| 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 | $179.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.61% |
| Net loans and leases to deposits | 102.51% |
| Loans and leases to core deposits | 108.30% |
| Core deposits to total deposits | 91.89% |
| Brokered deposits to total deposits | 3.78% |
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 | 106.13% | 87.70% | $0 | $437.6M |
| Q4 2023 | 104.89% | 87.21% | $0 | $420.1M |
| Q1 2024 | 101.88% | 85.95% | $0 | $281.1M |
| Q2 2024 | 105.92% | 85.18% | $0 | $357.1M |
| Q3 2024 | 103.42% | 84.67% | $0 | $259.1M |
| Q4 2024 | 101.96% | 85.37% | $0 | $192.5M |
| Q1 2025 | 101.64% | 88.02% | $0 | $181.5M |
| Q2 2025 | 104.61% | 87.62% | $0 | $269.5M |
| Q3 2025 | 103.48% | 86.37% | $0 | $234.5M |
| Q4 2025 | 101.76% | 87.40% | $0 | $169.0M |
| Q1 2026 | 100.24% | 90.69% | $0 | $94.0M |
| Q2 2026 | 103.61% | 91.89% | $0 | $179.0M |
HomeTrust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock HomeTrust 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 HomeTrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27677) · FFIEC NIC profile (RSSD 212577)