Chelsea Savings 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 Cash and balances due from depository institutions: 23.9% lower than in Q1 2026, at $11.8M. Chelsea Savings Bank has the 16th lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 48.58% as of Q2 2026. Chelsea Savings Bank reported 48.58% on loan-to-deposit ratio for Q2 2026, 32.36 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $108.8M |
| 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 | $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 | 48.58% |
| Net loans and leases to deposits | 48.24% |
| Loans and leases to core deposits | 54.93% |
| Core deposits to total deposits | 88.44% |
| Brokered deposits to total deposits | 2.88% |
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 | 36.45% | 90.63% | $0 | $219K |
| Q4 2023 | 34.89% | 89.42% | $0 | $219K |
| Q1 2024 | 34.24% | 88.83% | $0 | $111K |
| Q2 2024 | 35.32% | 88.10% | $0 | $111K |
| Q3 2024 | 36.26% | 89.16% | $0 | $111K |
| Q4 2024 | 39.55% | 87.21% | $608K | $111K |
| Q1 2025 | 43.80% | 87.90% | $950K | $0 |
| Q2 2025 | 45.35% | 88.22% | $0 | $0 |
| Q3 2025 | 47.62% | 86.15% | $0 | $4.3M |
| Q4 2025 | 47.00% | 87.63% | $0 | $0 |
| Q1 2026 | 46.73% | 86.95% | $0 | $0 |
| Q2 2026 | 48.58% | 88.44% | $0 | $0 |
Chelsea Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Chelsea Savings 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 Chelsea Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15427) · FFIEC NIC profile (RSSD 771748)