Breda Savings 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 dropped 2.81 percentage points in Q2 2026, from 82.11% to 79.30%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Breda Savings Bank is 175th of 225 on loan-to-deposit ratio, 66.24% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Breda Savings Bank sits 14.60 points lower, at 66.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.7M |
| 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 | $11.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.24% |
| Net loans and leases to deposits | 65.74% |
| Loans and leases to core deposits | 79.30% |
| Core deposits to total deposits | 83.52% |
| Brokered deposits to total deposits | 3.62% |
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 | 73.84% | 82.06% | $0 | $14.0M |
| Q4 2023 | 76.29% | 82.27% | $32K | $16.2M |
| Q1 2024 | 72.83% | 80.10% | $0 | $10.8M |
| Q2 2024 | 76.46% | 82.90% | $0 | $13.6M |
| Q3 2024 | 74.90% | 82.20% | $0 | $11.6M |
| Q4 2024 | 75.90% | 82.92% | $0 | $13.2M |
| Q1 2025 | 72.56% | 84.01% | $0 | $7.8M |
| Q2 2025 | 75.33% | 83.18% | $0 | $11.3M |
| Q3 2025 | 78.00% | 83.44% | $0 | $11.4M |
| Q4 2025 | 76.34% | 83.80% | $0 | $11.9M |
| Q1 2026 | 68.05% | 82.87% | $0 | $11.3M |
| Q2 2026 | 66.24% | 83.52% | $0 | $11.3M |
Breda Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Breda Savings 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 Breda Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5792) · FFIEC NIC profile (RSSD 856542)