Bank Plus: 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 purchased and repos climbed 111.9% in Q2 2026, from $1.9M to $3.9M. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Bank Plus sits 3rd from the top on loan-to-deposit ratio, 117.12% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bank Plus sits 36.56 points higher, at 117.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $15.0M |
| 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 | $3.9M |
| Other borrowed money | $18.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 117.12% |
| Net loans and leases to deposits | 116.29% |
| Loans and leases to core deposits | 120.36% |
| Core deposits to total deposits | 92.45% |
| Brokered deposits to total deposits | 4.85% |
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 | 112.89% | 89.62% | $4.7M | $25.1M |
| Q4 2023 | 118.29% | 88.62% | $10.8M | $25.5M |
| Q1 2024 | 108.94% | 89.34% | $4.4M | $20.5M |
| Q2 2024 | 110.74% | 88.66% | $7.1M | $20.5M |
| Q3 2024 | 113.53% | 87.25% | $6.9M | $24.0M |
| Q4 2024 | 118.37% | 86.58% | $9.4M | $24.0M |
| Q1 2025 | 105.73% | 86.73% | $2.1M | $17.0M |
| Q2 2025 | 106.87% | 87.32% | $2.7M | $17.0M |
| Q3 2025 | 113.25% | 86.92% | $7.5M | $18.0M |
| Q4 2025 | 117.22% | 87.50% | $5.1M | $23.3M |
| Q1 2026 | 110.79% | 87.65% | $1.9M | $20.3M |
| Q2 2026 | 117.12% | 92.45% | $3.9M | $18.8M |
Bank Plus liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Plus, 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 Plus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16547) · FFIEC NIC profile (RSSD 329149)