Homewood Federal 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.
Loans and leases to core deposits dropped 3.17 percentage points in Q2 2026, from 122.55% to 119.38%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Homewood Federal Savings Bank ranks 2nd highest among the 27 banks headquartered in Maryland, at 112.21% (Q2 2026). Homewood Federal Savings Bank's loan-to-deposit ratio of 112.21% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 44.58 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $10.7M |
| 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 | 112.21% |
| Net loans and leases to deposits | 111.20% |
| Loans and leases to core deposits | 119.38% |
| Core deposits to total deposits | 93.99% |
| 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 | 115.90% | 90.84% | $0 | $0 |
| Q4 2023 | 112.46% | 91.01% | $0 | $0 |
| Q1 2024 | 109.86% | 89.38% | $0 | $0 |
| Q2 2024 | 102.97% | 89.63% | $0 | $0 |
| Q3 2024 | 101.57% | 88.48% | $0 | $0 |
| Q4 2024 | 104.99% | 88.22% | $0 | $0 |
| Q1 2025 | 107.70% | 88.00% | $0 | $0 |
| Q2 2025 | 108.16% | 89.89% | $0 | $0 |
| Q3 2025 | 109.35% | 90.86% | $0 | $0 |
| Q4 2025 | 110.44% | 92.84% | $0 | $0 |
| Q1 2026 | 114.34% | 93.29% | $0 | $0 |
| Q2 2026 | 112.21% | 93.99% | $0 | $0 |
Homewood Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Homewood Federal 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 Homewood Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31267) · FFIEC NIC profile (RSSD 359472)