Cherokee 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 52.8% lower than in Q1 2026, at $6.1M. Cherokee State Bank ranks 111th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 83.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Cherokee State Bank sits 2.63 points higher, at 83.47% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $76.9M |
| Fed funds sold and reverse repos | $70K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $656K |
| Other borrowed money | $23.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.47% |
| Net loans and leases to deposits | 82.48% |
| Loans and leases to core deposits | 91.35% |
| Core deposits to total deposits | 87.27% |
| Brokered deposits to total deposits | 4.10% |
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 | 71.64% | 80.34% | $12.3M | $3.0M |
| Q4 2023 | 76.97% | 82.65% | $12.8M | $3.0M |
| Q1 2024 | 78.32% | 85.09% | $9.3M | $10.8M |
| Q2 2024 | 79.52% | 86.95% | $1.4M | $19.7M |
| Q3 2024 | 77.17% | 87.93% | $1.5M | $18.7M |
| Q4 2024 | 82.06% | 90.57% | $5.7M | $20.8M |
| Q1 2025 | 78.82% | 91.45% | $735K | $20.8M |
| Q2 2025 | 80.23% | 90.80% | $419K | $19.0M |
| Q3 2025 | 81.70% | 91.54% | $2.1M | $22.2M |
| Q4 2025 | 86.76% | 92.14% | $4.6M | $27.1M |
| Q1 2026 | 80.73% | 88.23% | $251K | $23.3M |
| Q2 2026 | 83.47% | 87.27% | $656K | $23.3M |
Cherokee State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cherokee 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 Cherokee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 951) · FFIEC NIC profile (RSSD 205542)