Cedar Rapids Bank and Trust Company: 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 Other borrowed money: 235.4% higher than in Q1 2026, at $148.2M. Cedar Rapids Bank and Trust Company ranks 39th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 96.95% (Q2 2026). Cedar Rapids Bank and Trust Company reported 96.95% on loan-to-deposit ratio for Q2 2026, 8.74 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.0M |
| Cash and noninterest-bearing balances to assets | 1.24% |
| Cash and securities | $392.6M |
| 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 | $15.8M |
| Other borrowed money | $148.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.95% |
| Net loans and leases to deposits | 95.79% |
| Loans and leases to core deposits | 100.60% |
| Core deposits to total deposits | 83.73% |
| Brokered deposits to total deposits | 12.64% |
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 | 101.63% | 93.42% | $0 | $75.0M |
| Q4 2023 | 97.14% | 78.45% | $0 | $75.0M |
| Q1 2024 | 95.61% | 75.73% | $0 | $75.0M |
| Q2 2024 | 100.86% | 76.42% | $0 | $75.0M |
| Q3 2024 | 98.75% | 78.02% | $0 | $147.1M |
| Q4 2024 | 93.57% | 77.00% | $0 | $77.1M |
| Q1 2025 | 95.02% | 75.71% | $0 | $77.1M |
| Q2 2025 | 98.30% | 82.68% | $23.9M | $77.1M |
| Q3 2025 | 100.20% | 81.73% | $58.6M | $109.7M |
| Q4 2025 | 100.27% | 82.84% | $75.3M | $88.9M |
| Q1 2026 | 102.04% | 82.34% | $179.2M | $44.2M |
| Q2 2026 | 96.95% | 83.73% | $15.8M | $148.2M |
Cedar Rapids Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cedar Rapids Bank and Trust Company, 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 Cedar Rapids Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57244) · FFIEC NIC profile (RSSD 3029589)