CBI Bank & Trust: 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.
The standout move of Q2 2026 was in Fed funds purchased and repos: 57.5% higher than in Q1 2026, at $50.1M. Within Iowa, CBI Bank & Trust is 146th of 225 on loan-to-deposit ratio, 74.73% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. CBI Bank & Trust sits 13.47 points lower, at 74.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $92.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $497.5M |
| 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 | $50.1M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.73% |
| Net loans and leases to deposits | 73.76% |
| Loans and leases to core deposits | 81.49% |
| Core deposits to total deposits | 91.71% |
| 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 | 70.87% | 95.40% | $3.3M | $0 |
| Q4 2023 | 76.40% | 95.50% | $35.7M | $0 |
| Q1 2024 | 74.37% | 94.69% | $33.6M | $0 |
| Q2 2024 | 74.74% | 94.97% | $35.1M | $0 |
| Q3 2024 | 75.97% | 94.64% | $31.8M | $0 |
| Q4 2024 | 76.80% | 93.70% | $30.6M | $0 |
| Q1 2025 | 73.70% | 93.75% | $30.3M | $0 |
| Q2 2025 | 75.12% | 93.19% | $28.2M | $0 |
| Q3 2025 | 75.30% | 93.06% | $29.1M | $0 |
| Q4 2025 | 76.77% | 92.98% | $28.1M | $0 |
| Q1 2026 | 76.23% | 92.35% | $31.8M | $0 |
| Q2 2026 | 74.73% | 91.71% | $50.1M | $0 |
CBI Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock CBI Bank & Trust, 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 CBI Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1552) · FFIEC NIC profile (RSSD 830542)