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.
The standout move of Q2 2026 was in Other borrowed money: 27.0% higher than in Q1 2026, at $63.5M. Among 225 Iowa banks, American State Bank sits 6th from the top on loan-to-deposit ratio, 111.20% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. American State Bank sits 23.00 points higher, at 111.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.2M |
| 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 | $0 |
| Other borrowed money | $63.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.20% |
| Net loans and leases to deposits | 109.70% |
| Loans and leases to core deposits | 122.03% |
| Core deposits to total deposits | 84.92% |
| Brokered deposits to total deposits | 6.37% |
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 | 103.59% | 81.38% | $0 | $59.8M |
| Q4 2023 | 104.58% | 82.00% | $0 | $63.6M |
| Q1 2024 | 110.60% | 83.14% | $0 | $120.0M |
| Q2 2024 | 116.54% | 81.11% | $0 | $168.8M |
| Q3 2024 | 109.44% | 78.11% | $0 | $108.4M |
| Q4 2024 | 105.96% | 79.93% | $0 | $84.7M |
| Q1 2025 | 111.56% | 81.10% | $0 | $100.0M |
| Q2 2025 | 110.48% | 78.75% | $0 | $89.5M |
| Q3 2025 | 112.89% | 78.66% | $0 | $109.5M |
| Q4 2025 | 104.25% | 82.04% | $0 | $45.0M |
| Q1 2026 | 109.38% | 83.00% | $0 | $50.0M |
| Q2 2026 | 111.20% | 84.92% | $0 | $63.5M |
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 228) · FFIEC NIC profile (RSSD 735441)