Atkins Savings Bank & Trust: 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 0.95 percentage points in Q2 2026, from 0.39% to 1.34%. It was the largest change from Q1 2026 among the key lines here. Atkins Savings Bank & Trust ranks 104th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 84.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Atkins Savings Bank & Trust sits 3.18 points higher, at 84.02% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.2M |
| Fed funds sold and reverse repos | $2.3M |
| Fed funds sold and reverse repos to assets | 1.34% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.02% |
| Net loans and leases to deposits | 83.12% |
| Loans and leases to core deposits | 97.17% |
| Core deposits to total deposits | 86.04% |
| Brokered deposits to total deposits | 3.18% |
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 | 81.02% | 91.71% | $4.7M | $9.0M |
| Q4 2023 | 77.37% | 87.70% | $707K | $9.0M |
| Q1 2024 | 78.90% | 85.88% | $2.2M | $8.0M |
| Q2 2024 | 79.79% | 85.56% | $1.2M | $10.0M |
| Q3 2024 | 80.59% | 85.67% | $2.9M | $8.0M |
| Q4 2024 | 79.23% | 84.33% | $464K | $8.0M |
| Q1 2025 | 78.56% | 84.83% | $0 | $8.0M |
| Q2 2025 | 78.77% | 87.28% | $0 | $10.0M |
| Q3 2025 | 80.20% | 86.54% | $0 | $10.0M |
| Q4 2025 | 83.96% | 88.40% | $6.1M | $10.0M |
| Q1 2026 | 84.34% | 86.50% | $0 | $8.0M |
| Q2 2026 | 84.02% | 86.04% | $0 | $8.0M |
Atkins Savings Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Atkins Savings Bank & Trust, 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 Atkins Savings Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9096) · FFIEC NIC profile (RSSD 739346)