Bank Iowa: 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.
Brokered deposits to total deposits dropped 2.59 percentage points in Q2 2026, from 8.08% to 5.49%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Bank Iowa is 67th of 225 on loan-to-deposit ratio, 91.15% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank Iowa sits 2.95 points higher, at 91.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $45.2M |
| Cash and noninterest-bearing balances to assets | 1.92% |
| Cash and securities | $471.7M |
| Fed funds sold and reverse repos | $60K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $8.5M |
| Other borrowed money | $141.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.15% |
| Net loans and leases to deposits | 89.91% |
| Loans and leases to core deposits | 101.90% |
| Core deposits to total deposits | 86.15% |
| Brokered deposits to total deposits | 5.49% |
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 | 94.42% | 91.14% | $16.1M | $266.0M |
| Q4 2023 | 89.33% | 91.54% | $10.4M | $175.0M |
| Q1 2024 | 88.25% | 89.79% | $12.4M | $205.0M |
| Q2 2024 | 91.47% | 87.26% | $12.5M | $215.0M |
| Q3 2024 | 90.58% | 85.14% | $17.5M | $200.7M |
| Q4 2024 | 94.19% | 85.17% | $5.9M | $210.7M |
| Q1 2025 | 90.85% | 84.08% | $6.5M | $165.7M |
| Q2 2025 | 92.54% | 83.96% | $6.4M | $206.7M |
| Q3 2025 | 86.48% | 83.70% | $7.4M | $156.7M |
| Q4 2025 | 88.06% | 83.15% | $5.8M | $156.7M |
| Q1 2026 | 91.56% | 84.27% | $8.2M | $156.7M |
| Q2 2026 | 91.15% | 86.15% | $8.5M | $141.7M |
Bank Iowa liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Iowa, 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 Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14521) · FFIEC NIC profile (RSSD 187947)