Bank 1st: 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 39.7% in Q2 2026, from $4.6M to $6.4M. It was the largest change from Q1 2026 among the key lines here. Bank 1st ranks 144th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 75.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bank 1st sits 5.22 points lower, at 75.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.2M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.75% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $19.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.33% |
| Net loans and leases to deposits | 74.24% |
| Loans and leases to core deposits | 79.78% |
| Core deposits to total deposits | 94.42% |
| 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 | 67.71% | 91.41% | $263K | $21.1M |
| Q4 2023 | 70.23% | 92.14% | $0 | $23.0M |
| Q1 2024 | 71.10% | 91.86% | $0 | $27.0M |
| Q2 2024 | 70.64% | 91.88% | $0 | $21.0M |
| Q3 2024 | 62.99% | 89.96% | $0 | $11.0M |
| Q4 2024 | 64.40% | 89.58% | $2.4M | $0 |
| Q1 2025 | 63.64% | 89.40% | $2.3M | $2.0M |
| Q2 2025 | 67.27% | 92.61% | $361K | $7.7M |
| Q3 2025 | 70.40% | 93.04% | $1.8M | $10.7M |
| Q4 2025 | 72.65% | 94.77% | $0 | $12.6M |
| Q1 2026 | 76.22% | 93.97% | $2.6M | $17.6M |
| Q2 2026 | 75.33% | 94.42% | $0 | $19.1M |
Bank 1st liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank 1st, 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 Bank 1st profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13816) · FFIEC NIC profile (RSSD 142049)