Availa 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 Fed funds purchased and repos: 48.4% higher than in Q1 2026, at $11.7M. Within Iowa, Availa Bank is 106th of 225 on loan-to-deposit ratio, 83.82% as of Q2 2026, above the middle of the field. Availa Bank reported 83.82% on loan-to-deposit ratio for Q2 2026, 4.38 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $70.5M |
| Cash and noninterest-bearing balances to assets | 4.07% |
| Cash and securities | $444.2M |
| 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 | $11.7M |
| Other borrowed money | $131.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.82% |
| Net loans and leases to deposits | 82.83% |
| Loans and leases to core deposits | 90.61% |
| Core deposits to total deposits | 85.15% |
| Brokered deposits to total deposits | 7.35% |
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 | 80.82% | 89.53% | $13.9M | $125.5M |
| Q4 2023 | 79.19% | 85.72% | $8.8M | $125.0M |
| Q1 2024 | 80.09% | 85.80% | $9.0M | $120.0M |
| Q2 2024 | 80.43% | 84.82% | $22.1M | $135.0M |
| Q3 2024 | 78.29% | 85.62% | $19.6M | $110.0M |
| Q4 2024 | 80.43% | 86.44% | $9.1M | $95.0M |
| Q1 2025 | 78.53% | 87.26% | $9.5M | $95.0M |
| Q2 2025 | 82.64% | 87.32% | $16.8M | $125.0M |
| Q3 2025 | 81.77% | 85.95% | $7.3M | $121.0M |
| Q4 2025 | 86.31% | 85.77% | $2.8M | $176.0M |
| Q1 2026 | 84.68% | 84.63% | $7.9M | $141.0M |
| Q2 2026 | 83.82% | 85.15% | $11.7M | $131.0M |
Availa Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Availa 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 Availa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11771) · FFIEC NIC profile (RSSD 859141)