City 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: 30.0% lower than in Q1 2026, at $88.5M. City State Bank ranks 92nd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 86.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. City State Bank sits 5.73 points higher, at 86.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $88.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $175.0M |
| Fed funds sold and reverse repos | $3.1M |
| Fed funds sold and reverse repos to assets | 0.40% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $16.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.57% |
| Net loans and leases to deposits | 85.48% |
| Loans and leases to core deposits | 94.79% |
| Core deposits to total deposits | 91.33% |
| Brokered deposits to total deposits | 0.00% |
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 | 85.50% | 93.88% | $0 | $16.9M |
| Q4 2023 | 80.81% | 94.13% | $0 | $16.5M |
| Q1 2024 | 81.92% | 93.79% | $0 | $16.4M |
| Q2 2024 | 86.92% | 93.39% | $0 | $16.2M |
| Q3 2024 | 86.34% | 92.77% | $0 | $16.1M |
| Q4 2024 | 83.31% | 91.70% | $0 | $15.9M |
| Q1 2025 | 80.77% | 92.05% | $0 | $15.7M |
| Q2 2025 | 86.48% | 91.92% | $0 | $17.2M |
| Q3 2025 | 92.05% | 90.79% | $0 | $17.1M |
| Q4 2025 | 85.12% | 90.75% | $0 | $16.9M |
| Q1 2026 | 83.62% | 90.69% | $0 | $16.6M |
| Q2 2026 | 86.57% | 91.33% | $0 | $16.5M |
City State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock City 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 City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14410) · FFIEC NIC profile (RSSD 252041)