New Horizon Bank, N.A.: 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 19.72 percentage points in Q2 2026, from 86.60% to 66.89%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, New Horizon Bank, N.A. is 47th of 56 on loan-to-deposit ratio, 64.77% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. New Horizon Bank, N.A. sits 16.07 points lower, at 64.77% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $105.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $161.8M |
| Fed funds sold and reverse repos | $476K |
| Fed funds sold and reverse repos to assets | 0.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $37.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.77% |
| Net loans and leases to deposits | 64.23% |
| Loans and leases to core deposits | 66.89% |
| Core deposits to total deposits | 95.09% |
| Brokered deposits to total deposits | 1.75% |
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 | 69.19% | 91.63% | $0 | $0 |
| Q4 2023 | 55.05% | 93.86% | $0 | $0 |
| Q1 2024 | 58.74% | 94.44% | $0 | $0 |
| Q2 2024 | 64.85% | 90.48% | $0 | $0 |
| Q3 2024 | 60.86% | 94.00% | $0 | $0 |
| Q4 2024 | 50.54% | 95.58% | $0 | $0 |
| Q1 2025 | 53.63% | 95.72% | $0 | $0 |
| Q2 2025 | 58.34% | 95.94% | $0 | $0 |
| Q3 2025 | 72.87% | 94.12% | $0 | $9.3M |
| Q4 2025 | 70.95% | 94.78% | $0 | $9.3M |
| Q1 2026 | 82.74% | 95.41% | $0 | $37.4M |
| Q2 2026 | 64.77% | 95.09% | $0 | $37.4M |
New Horizon Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock New Horizon Bank, N.A., 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 New Horizon Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58857) · FFIEC NIC profile (RSSD 3816154)