Capra 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.
Cash and balances due from depository institutions dropped 58.4% in Q2 2026, from $59.6M to $24.8M. It was the largest change from Q1 2026 among the key lines here. Capra Bank has the 19th lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 50.97% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Capra Bank sits 37.23 points lower, at 50.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $738.8M |
| 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 | $115.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.97% |
| Net loans and leases to deposits | 50.49% |
| Loans and leases to core deposits | 54.18% |
| Core deposits to total deposits | 87.29% |
| Brokered deposits to total deposits | 6.79% |
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 | 26.00% | 100.00% | $0 | $0 |
| Q4 2023 | 28.45% | 99.78% | $0 | $0 |
| Q1 2024 | 41.43% | 99.30% | $0 | $0 |
| Q2 2024 | 45.25% | 98.60% | $0 | $0 |
| Q3 2024 | 40.91% | 79.71% | $0 | $0 |
| Q4 2024 | 47.50% | 86.41% | $0 | $0 |
| Q1 2025 | 46.55% | 86.35% | $0 | $0 |
| Q2 2025 | 50.37% | 82.50% | $0 | $0 |
| Q3 2025 | 43.82% | 84.26% | $0 | $0 |
| Q4 2025 | 52.57% | 87.53% | $0 | $18.5M |
| Q1 2026 | 46.27% | 90.13% | $0 | $103.8M |
| Q2 2026 | 50.97% | 87.29% | $0 | $115.3M |
Capra Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Capra 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 Capra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16363) · FFIEC NIC profile (RSSD 1013744)