American 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.
Cash and balances due from depository institutions dropped 21.2% in Q2 2026, from $22.5M to $17.8M. It was the largest change from Q1 2026 among the key lines here. American State Bank ranks 84th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 88.09% (Q2 2026). American State Bank reported 88.09% on loan-to-deposit ratio for Q2 2026, 7.25 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 | $17.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $99.0M |
| 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 | $3.2M |
| Other borrowed money | $35.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.09% |
| Net loans and leases to deposits | 87.05% |
| Loans and leases to core deposits | 100.62% |
| Core deposits to total deposits | 87.45% |
| Brokered deposits to total deposits | 1.31% |
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 | 87.80% | 87.72% | $13.8M | $27.4M |
| Q4 2023 | 86.58% | 87.79% | $9.7M | $26.9M |
| Q1 2024 | 87.25% | 89.35% | $9.6M | $30.0M |
| Q2 2024 | 92.87% | 89.38% | $6.8M | $40.7M |
| Q3 2024 | 97.62% | 89.70% | $2.3M | $55.1M |
| Q4 2024 | 92.28% | 88.98% | $1.1M | $39.6M |
| Q1 2025 | 88.98% | 88.97% | $1.9M | $34.5M |
| Q2 2025 | 91.22% | 87.82% | $2.1M | $35.0M |
| Q3 2025 | 90.82% | 86.70% | $2.8M | $36.4M |
| Q4 2025 | 88.85% | 87.86% | $2.3M | $35.3M |
| Q1 2026 | 88.07% | 87.41% | $4.0M | $35.7M |
| Q2 2026 | 88.09% | 87.45% | $3.2M | $35.9M |
American State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American 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 American State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26944) · FFIEC NIC profile (RSSD 276645)