The St. Henry 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.
Fed funds sold and reverse repos to assets climbed 2.30 percentage points in Q2 2026, from 0.00% to 2.30%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The St. Henry Bank is 129th of 156 on loan-to-deposit ratio, 64.48% 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. The St. Henry Bank sits 16.35 points lower, at 64.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $172.6M |
| Fed funds sold and reverse repos | $10.0M |
| Fed funds sold and reverse repos to assets | 2.30% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $12K |
| 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 | 64.48% |
| Net loans and leases to deposits | 63.61% |
| Loans and leases to core deposits | 69.27% |
| Core deposits to total deposits | 93.09% |
| 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 | 63.33% | 95.77% | $0 | $10.6M |
| Q4 2023 | 62.68% | 95.90% | $0 | $8.6M |
| Q1 2024 | 67.10% | 93.63% | $0 | $15.5M |
| Q2 2024 | 67.16% | 91.96% | $0 | $11.4M |
| Q3 2024 | 62.49% | 86.52% | $0 | $364K |
| Q4 2024 | 56.80% | 86.17% | $0 | $322K |
| Q1 2025 | 58.51% | 90.29% | $0 | $278K |
| Q2 2025 | 56.83% | 83.10% | $0 | $232K |
| Q3 2025 | 55.06% | 81.07% | $0 | $18K |
| Q4 2025 | 52.08% | 90.18% | $0 | $14K |
| Q1 2026 | 63.45% | 92.39% | $0 | $13K |
| Q2 2026 | 64.48% | 93.09% | $0 | $12K |
The St. Henry Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The St. Henry 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 The St. Henry Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9871) · FFIEC NIC profile (RSSD 568126)