Horatio State 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: 2.21 percentage points higher than in Q1 2026, at 116.42%. Horatio State Bank ranks 19th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 95.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Horatio State Bank sits 14.96 points higher, at 95.51% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.5M |
| 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 | 95.51% |
| Net loans and leases to deposits | 93.98% |
| Loans and leases to core deposits | 116.42% |
| Core deposits to total deposits | 68.40% |
| Brokered deposits to total deposits | 13.64% |
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 | 92.80% | 68.35% | $0 | $0 |
| Q4 2023 | 91.75% | 68.26% | $0 | $0 |
| Q1 2024 | 90.70% | 65.59% | $0 | $0 |
| Q2 2024 | 93.50% | 64.87% | $0 | $0 |
| Q3 2024 | 94.51% | 64.06% | $0 | $0 |
| Q4 2024 | 93.06% | 67.83% | $0 | $0 |
| Q1 2025 | 92.66% | 68.82% | $0 | $0 |
| Q2 2025 | 95.09% | 68.07% | $0 | $0 |
| Q3 2025 | 95.14% | 69.73% | $0 | $0 |
| Q4 2025 | 94.86% | 69.40% | $0 | $0 |
| Q1 2026 | 94.31% | 69.53% | $0 | $0 |
| Q2 2026 | 95.51% | 68.40% | $0 | $0 |
Horatio State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Horatio State 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 Horatio State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 109) · FFIEC NIC profile (RSSD 458142)