The Clinton National 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 74.2% in Q2 2026, from $42.2M to $10.9M. It was the largest change from Q1 2026 among the key lines here. The Clinton National Bank ranks 172nd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 68.43% (Q2 2026). The Clinton National Bank reported 68.43% on loan-to-deposit ratio for Q2 2026, 12.41 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.9M |
| Cash and noninterest-bearing balances to assets | 2.75% |
| Cash and securities | $153.8M |
| 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 | $8.3M |
| 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 | 68.43% |
| Net loans and leases to deposits | 67.49% |
| Loans and leases to core deposits | 76.95% |
| Core deposits to total deposits | 88.93% |
| 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 | 58.66% | 93.52% | $11.0M | $5.0M |
| Q4 2023 | 64.94% | 93.15% | $10.5M | $19.0M |
| Q1 2024 | 58.00% | 87.26% | $18.3M | $5.0M |
| Q2 2024 | 62.44% | 85.89% | $16.3M | $0 |
| Q3 2024 | 64.33% | 91.27% | $16.4M | $0 |
| Q4 2024 | 63.61% | 83.69% | $20.4M | $0 |
| Q1 2025 | 60.16% | 85.32% | $13.8M | $0 |
| Q2 2025 | 65.87% | 86.91% | $12.2M | $0 |
| Q3 2025 | 64.86% | 87.57% | $12.9M | $0 |
| Q4 2025 | 67.13% | 85.81% | $11.5M | $0 |
| Q1 2026 | 62.72% | 89.62% | $9.8M | $0 |
| Q2 2026 | 68.43% | 88.93% | $8.3M | $0 |
The Clinton National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Clinton National 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 The Clinton National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4439) · FFIEC NIC profile (RSSD 773443)