Horizon Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
Horizon Bank reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $206.6M in Q3 2026, down 54.5% from $454.5M in Q3 2025. That is 3.1% of its total assets. Across the 12 quarters shown it ranged from $131.7M (Q2 2025) to $520.1M (Q4 2023).
What the liquidity and borrowings page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
The standout move of Q3 2026 was in Fed funds purchased and repos: 65.4% lower than in Q2 2026, at $24.0M. Within Indiana, Horizon Bank is 32nd of 87 on loan-to-deposit ratio, 90.06% as of Q3 2026. At 90.06%, Horizon Bank's loan-to-deposit ratio is close to the 88.13% median for banks in the $1B-10B asset tier (Q3 2026).
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $206.6M |
| Cash and noninterest-bearing balances to assets | 3.15% |
| Cash and securities | $1.06B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $24.0M |
| Other borrowed money | $150.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.29% |
| Trading liabilities | $0 |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 90.06% |
| Net loans and leases to deposits | 89.12% |
| Loans and leases to core deposits | 99.01% |
| Core deposits to total deposits | 87.40% |
| Brokered deposits to total deposits | 3.57% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 77.02% | 86.08% | $136.0M | $1.22B |
| Q1 2024 | 81.69% | 87.19% | $139.3M | $1.22B |
| Q2 2024 | 84.63% | 86.30% | $128.2M | $1.23B |
| Q3 2024 | 82.85% | 85.47% | $122.4M | $1.14B |
| Q4 2024 | 86.58% | 88.14% | $89.9M | $1.14B |
| Q1 2025 | 84.04% | 83.41% | $87.9M | $812.2M |
| Q2 2025 | 86.36% | 85.20% | $95.1M | $880.3M |
| Q3 2025 | 85.32% | 84.36% | $87.0M | $160.2M |
| Q4 2025 | 91.28% | 84.40% | $88.6M | $159.9M |
| Q1 2026 | 88.91% | 83.85% | $66.0M | $159.8M |
| Q2 2026 | 90.61% | 86.21% | $69.3M | $153.7M |
| Q3 2026 | 90.06% | 87.40% | $24.0M | $150.6M |
Horizon Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. How these pages are built. See the full Horizon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4360) · FFIEC NIC profile (RSSD 130541)