Central 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.
The standout move of Q2 2026 was in Other borrowed money: 41.6% higher than in Q1 2026, at $155.8M. Among 225 Iowa banks, Central Bank sits 12th from the top on loan-to-deposit ratio, 106.65% as of Q2 2026. Central Bank reported 106.65% on loan-to-deposit ratio for Q2 2026, 18.45 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 | $42.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $195.9M |
| 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 | $11.7M |
| Other borrowed money | $155.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.65% |
| Net loans and leases to deposits | 105.59% |
| Loans and leases to core deposits | 123.81% |
| Core deposits to total deposits | 85.88% |
| Brokered deposits to total deposits | 0.26% |
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 | 108.80% | 79.85% | $18.5M | $226.2M |
| Q4 2023 | 109.11% | 82.47% | $17.1M | $175.8M |
| Q1 2024 | 105.64% | 81.64% | $15.7M | $150.7M |
| Q2 2024 | 106.77% | 81.86% | $15.8M | $182.6M |
| Q3 2024 | 105.87% | 82.43% | $8.8M | $146.7M |
| Q4 2024 | 103.79% | 82.58% | $10.6M | $110.0M |
| Q1 2025 | 101.50% | 84.13% | $9.3M | $110.0M |
| Q2 2025 | 104.29% | 84.04% | $10.1M | $113.0M |
| Q3 2025 | 100.86% | 84.67% | $11.0M | $110.0M |
| Q4 2025 | 103.09% | 84.89% | $9.6M | $110.0M |
| Q1 2026 | 104.63% | 86.11% | $9.4M | $110.0M |
| Q2 2026 | 106.65% | 85.88% | $11.7M | $155.8M |
Central Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15555) · FFIEC NIC profile (RSSD 546544)