Central State 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 climbed 13.2% in Q2 2026, from $12.4M to $14.0M. It was the largest change from Q1 2026 among the key lines here. Central State Bank ranks 45th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 95.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Central State Bank sits 15.13 points higher, at 95.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $108.9M |
| Fed funds sold and reverse repos | $4.0M |
| Fed funds sold and reverse repos to assets | 0.72% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $33.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.96% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.69% |
| Net loans and leases to deposits | 94.71% |
| Loans and leases to core deposits | 132.88% |
| Core deposits to total deposits | 71.96% |
| Brokered deposits to total deposits | 11.01% |
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 | 96.18% | 67.27% | $0 | $35.1M |
| Q4 2023 | 101.89% | 65.61% | $358K | $44.5M |
| Q1 2024 | 96.78% | 67.76% | $0 | $40.4M |
| Q2 2024 | 94.10% | 66.77% | $0 | $42.3M |
| Q3 2024 | 95.10% | 66.14% | $0 | $42.5M |
| Q4 2024 | 96.62% | 67.44% | $0 | $31.4M |
| Q1 2025 | 94.73% | 67.93% | $0 | $31.3M |
| Q2 2025 | 93.30% | 68.26% | $0 | $32.2M |
| Q3 2025 | 94.05% | 68.96% | $0 | $32.2M |
| Q4 2025 | 93.98% | 70.87% | $0 | $32.1M |
| Q1 2026 | 95.09% | 71.87% | $0 | $34.3M |
| Q2 2026 | 95.69% | 71.96% | $0 | $33.3M |
Central State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10903) · FFIEC NIC profile (RSSD 607146)