Horizon 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 8.88 percentage points in Q2 2026, from 97.46% to 88.58%. It was the largest change from Q1 2026 among the key lines here. Horizon Bank ranks 76th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 84.84% (Q2 2026). Horizon Bank reported 84.84% on loan-to-deposit ratio for Q2 2026, 4.00 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $90.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $138.2M |
| 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 | 84.84% |
| Net loans and leases to deposits | 84.04% |
| Loans and leases to core deposits | 88.58% |
| Core deposits to total deposits | 87.45% |
| Brokered deposits to total deposits | 8.33% |
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 | 95.40% | 83.72% | $0 | $7.9M |
| Q4 2023 | 100.01% | 82.13% | $0 | $23.1M |
| Q1 2024 | 97.47% | 79.32% | $0 | $7.6M |
| Q2 2024 | 98.39% | 79.78% | $0 | $7.1M |
| Q3 2024 | 98.53% | 80.02% | $0 | $8.6M |
| Q4 2024 | 97.11% | 79.81% | $0 | $467K |
| Q1 2025 | 97.60% | 82.12% | $0 | $2.6M |
| Q2 2025 | 93.29% | 84.44% | $0 | $462K |
| Q3 2025 | 97.22% | 84.71% | $0 | $460K |
| Q4 2025 | 95.94% | 84.64% | $0 | $1.2M |
| Q1 2026 | 93.13% | 85.70% | $0 | $0 |
| Q2 2026 | 84.84% | 87.45% | $0 | $0 |
Horizon Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Horizon 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 Horizon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14327) · FFIEC NIC profile (RSSD 663955)