Ashton 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 climbed 22.2% in Q2 2026, from $2.6M to $3.2M. It was the largest change from Q1 2026 among the key lines here. Ashton State Bank ranks 134th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 77.64% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Ashton State Bank sits 10.01 points higher, at 77.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.7M |
| Fed funds sold and reverse repos | $1.3M |
| 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 | $2.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.64% |
| Net loans and leases to deposits | 76.70% |
| Loans and leases to core deposits | 85.83% |
| Core deposits to total deposits | 90.45% |
| 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 | 80.91% | 94.38% | $1.1M | $4.3M |
| Q4 2023 | 86.78% | 93.42% | $3.6M | $4.2M |
| Q1 2024 | 81.37% | 93.78% | $1.2M | $3.3M |
| Q2 2024 | 83.56% | 92.20% | $1.1M | $4.0M |
| Q3 2024 | 87.62% | 91.34% | $3.1M | $3.9M |
| Q4 2024 | 85.53% | 89.66% | $1.6M | $3.8M |
| Q1 2025 | 81.26% | 89.27% | $0 | $3.1M |
| Q2 2025 | 77.64% | 91.41% | $0 | $3.0M |
| Q3 2025 | 77.03% | 92.28% | $0 | $2.9M |
| Q4 2025 | 80.06% | 92.70% | $541K | $2.9M |
| Q1 2026 | 78.46% | 90.93% | $0 | $2.9M |
| Q2 2026 | 77.64% | 90.45% | $0 | $2.9M |
Ashton State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ashton 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 Ashton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11343) · FFIEC NIC profile (RSSD 821643)