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 dropped 41.4% in Q2 2026, from $31.6M to $18.5M. It was the largest change from Q1 2026 among the key lines here. Central State Bank ranks 46th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 95.22% (Q2 2026). Central State Bank reported 95.22% on loan-to-deposit ratio for Q2 2026, 14.67 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.7M |
| 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 | $31.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.62% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.22% |
| Net loans and leases to deposits | 93.95% |
| Loans and leases to core deposits | 107.52% |
| Core deposits to total deposits | 87.64% |
| Brokered deposits to total deposits | 0.92% |
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 | 106.94% | 78.82% | $4.0M | $61.7M |
| Q4 2023 | 103.18% | 86.85% | $0 | $59.1M |
| Q1 2024 | 102.93% | 80.47% | $0 | $54.7M |
| Q2 2024 | 103.89% | 84.54% | $0 | $61.7M |
| Q3 2024 | 99.74% | 83.84% | $0 | $53.3M |
| Q4 2024 | 97.68% | 84.62% | $0 | $39.7M |
| Q1 2025 | 94.85% | 85.64% | $0 | $30.8M |
| Q2 2025 | 99.13% | 83.59% | $0 | $43.5M |
| Q3 2025 | 100.64% | 85.23% | $0 | $53.1M |
| Q4 2025 | 103.09% | 85.97% | $0 | $54.1M |
| Q1 2026 | 93.51% | 85.49% | $0 | $38.6M |
| Q2 2026 | 95.22% | 87.64% | $0 | $31.9M |
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 1550) · FFIEC NIC profile (RSSD 678744)