Audubon 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.
Loans and leases to core deposits climbed 11.22 percentage points in Q2 2026, from 100.81% to 112.03%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Audubon State Bank is 54th of 225 on loan-to-deposit ratio, 94.02% as of Q2 2026. Audubon State Bank reported 94.02% on loan-to-deposit ratio for Q2 2026, 13.47 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.5M |
| 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 | $4.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.02% |
| Net loans and leases to deposits | 92.99% |
| Loans and leases to core deposits | 112.03% |
| Core deposits to total deposits | 82.85% |
| Brokered deposits to total deposits | 1.08% |
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 | 87.89% | 90.66% | $0 | $5.5M |
| Q4 2023 | 96.53% | 90.15% | $850K | $6.4M |
| Q1 2024 | 90.07% | 90.25% | $0 | $6.4M |
| Q2 2024 | 90.51% | 89.06% | $0 | $6.9M |
| Q3 2024 | 95.67% | 88.44% | $0 | $6.8M |
| Q4 2024 | 92.38% | 86.80% | $0 | $6.6M |
| Q1 2025 | 83.91% | 85.47% | $0 | $6.1M |
| Q2 2025 | 92.70% | 84.90% | $0 | $4.5M |
| Q3 2025 | 92.14% | 84.35% | $0 | $4.5M |
| Q4 2025 | 93.33% | 82.95% | $0 | $4.5M |
| Q1 2026 | 84.08% | 82.42% | $0 | $4.5M |
| Q2 2026 | 94.02% | 82.85% | $0 | $4.5M |
Audubon State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Audubon 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 Audubon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5814) · FFIEC NIC profile (RSSD 760649)