Huron 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.
Loans and leases to core deposits climbed 3.68 percentage points in Q2 2026, from 81.74% to 85.42%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Huron State Bank is 46th of 72 on loan-to-deposit ratio, 75.77% as of Q2 2026. Huron State Bank reported 75.77% on loan-to-deposit ratio for Q2 2026, 8.45 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.9M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 1.37% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $954K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.77% |
| Net loans and leases to deposits | 74.79% |
| Loans and leases to core deposits | 85.42% |
| Core deposits to total deposits | 88.71% |
| 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 | 63.75% | 94.74% | $0 | $0 |
| Q4 2023 | 67.39% | 94.35% | $0 | $0 |
| Q1 2024 | 67.41% | 93.85% | $0 | $0 |
| Q2 2024 | 71.90% | 94.00% | $0 | $532K |
| Q3 2024 | 65.78% | 93.89% | $0 | $954K |
| Q4 2024 | 70.78% | 92.78% | $0 | $954K |
| Q1 2025 | 71.26% | 92.67% | $0 | $954K |
| Q2 2025 | 72.41% | 92.60% | $0 | $954K |
| Q3 2025 | 68.41% | 94.02% | $0 | $954K |
| Q4 2025 | 74.39% | 90.90% | $0 | $954K |
| Q1 2026 | 73.34% | 89.73% | $0 | $954K |
| Q2 2026 | 75.77% | 88.71% | $0 | $954K |
Huron State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Huron 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 Huron State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23126) · FFIEC NIC profile (RSSD 753641)