Huron Valley 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 4.48 percentage points in Q2 2026, from 103.52% to 108.00%. It was the largest change from Q1 2026 among the key lines here. Huron Valley State Bank ranks 24th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 93.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Huron Valley State Bank sits 12.56 points higher, at 93.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.2M |
| Fed funds sold and reverse repos | $2.7M |
| Fed funds sold and reverse repos to assets | 0.94% |
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 | 93.11% |
| Net loans and leases to deposits | 91.98% |
| Loans and leases to core deposits | 108.00% |
| Core deposits to total deposits | 80.31% |
| Brokered deposits to total deposits | 5.91% |
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 | 77.91% | 91.74% | $0 | $0 |
| Q4 2023 | 84.95% | 91.60% | $0 | $0 |
| Q1 2024 | 84.76% | 91.05% | $0 | $0 |
| Q2 2024 | 89.21% | 89.91% | $0 | $0 |
| Q3 2024 | 89.03% | 90.23% | $0 | $0 |
| Q4 2024 | 86.23% | 89.80% | $0 | $0 |
| Q1 2025 | 86.10% | 88.66% | $0 | $0 |
| Q2 2025 | 88.87% | 88.03% | $0 | $0 |
| Q3 2025 | 89.63% | 86.91% | $0 | $0 |
| Q4 2025 | 96.52% | 87.01% | $0 | $5.0M |
| Q1 2026 | 90.00% | 80.94% | $0 | $0 |
| Q2 2026 | 93.11% | 80.31% | $0 | $0 |
Huron Valley 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 Valley 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 Valley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57990) · FFIEC NIC profile (RSSD 3358270)