American Trust & Savings 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 Core deposits to total deposits: 2.68 percentage points lower than in Q1 2026, at 82.51%. On loan-to-deposit ratio, American Trust & Savings Bank is 2nd from the bottom among 225 Iowa banks, 24.45% (Q2 2026). Against a median of 67.62% for banks in the < $100M asset tier, American Trust & Savings Bank reported 24.45% on loan-to-deposit ratio in Q2 2026, 43.17 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.6M |
| Fed funds sold and reverse repos | $166K |
| Fed funds sold and reverse repos to assets | 0.60% |
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 | 24.45% |
| Net loans and leases to deposits | 22.71% |
| Loans and leases to core deposits | 28.16% |
| Core deposits to total deposits | 82.51% |
| Brokered deposits to total deposits | 4.31% |
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 | 23.76% | 100.00% | $1.7M | $0 |
| Q4 2023 | 24.76% | 100.00% | $2.3M | $0 |
| Q1 2024 | 22.52% | 100.00% | $1.3M | $0 |
| Q2 2024 | 23.35% | 98.99% | $1.5M | $0 |
| Q3 2024 | 21.45% | 89.22% | $0 | $0 |
| Q4 2024 | 19.84% | 83.89% | $0 | $0 |
| Q1 2025 | 20.41% | 83.76% | $0 | $0 |
| Q2 2025 | 20.75% | 84.94% | $0 | $0 |
| Q3 2025 | 21.99% | 90.94% | $0 | $0 |
| Q4 2025 | 24.06% | 88.14% | $0 | $0 |
| Q1 2026 | 23.41% | 85.19% | $333K | $0 |
| Q2 2026 | 24.45% | 82.51% | $0 | $0 |
American Trust & Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Trust & Savings 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 Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10120) · FFIEC NIC profile (RSSD 675341)