Horizon Financial 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: 9.89 percentage points higher than in Q1 2026, at 99.45%. Within North Dakota, Horizon Financial Bank is 23rd of 60 on loan-to-deposit ratio, 84.44% as of Q2 2026, above the middle of the field. Horizon Financial Bank reported 84.44% on loan-to-deposit ratio for Q2 2026, 3.61 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 | $8.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.0M |
| 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 | 84.44% |
| Net loans and leases to deposits | 83.48% |
| Loans and leases to core deposits | 99.45% |
| Core deposits to total deposits | 84.91% |
| 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 | 77.89% | 87.62% | $0 | $31K |
| Q4 2023 | 84.79% | 87.60% | $2.3M | $0 |
| Q1 2024 | 79.07% | 89.54% | $0 | $0 |
| Q2 2024 | 83.50% | 89.11% | $0 | $3.0M |
| Q3 2024 | 86.03% | 87.86% | $0 | $3.0M |
| Q4 2024 | 86.10% | 84.19% | $0 | $3.0M |
| Q1 2025 | 76.03% | 85.52% | $0 | $3.0M |
| Q2 2025 | 84.28% | 84.64% | $0 | $0 |
| Q3 2025 | 85.49% | 80.64% | $0 | $0 |
| Q4 2025 | 89.76% | 80.89% | $5.5M | $0 |
| Q1 2026 | 76.30% | 85.20% | $0 | $0 |
| Q2 2026 | 84.44% | 84.91% | $0 | $0 |
Horizon Financial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Horizon Financial 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 Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15598) · FFIEC NIC profile (RSSD 877350)