Commercial 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 Fed funds purchased and repos: 37.5% lower than in Q1 2026, at $1.6M. Within Iowa, Commercial Savings Bank is 36th of 225 on loan-to-deposit ratio, 98.21% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Commercial Savings Bank sits 17.37 points higher, at 98.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.8M |
| Fed funds sold and reverse repos | $760K |
| Fed funds sold and reverse repos to assets | 0.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.6M |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.21% |
| Net loans and leases to deposits | 97.32% |
| Loans and leases to core deposits | 122.11% |
| Core deposits to total deposits | 80.43% |
| Brokered deposits to total deposits | 8.30% |
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 | 82.64% | 78.70% | $2.0M | $19.9M |
| Q4 2023 | 83.65% | 79.17% | $2.1M | $18.9M |
| Q1 2024 | 85.72% | 78.57% | $2.6M | $20.6M |
| Q2 2024 | 88.11% | 78.47% | $2.1M | $23.1M |
| Q3 2024 | 90.05% | 77.28% | $2.3M | $26.8M |
| Q4 2024 | 88.50% | 79.78% | $2.5M | $23.3M |
| Q1 2025 | 88.80% | 80.98% | $1.4M | $22.9M |
| Q2 2025 | 95.85% | 81.47% | $2.1M | $27.4M |
| Q3 2025 | 97.77% | 79.31% | $3.1M | $24.9M |
| Q4 2025 | 95.24% | 79.92% | $2.6M | $24.9M |
| Q1 2026 | 99.27% | 80.79% | $2.6M | $24.0M |
| Q2 2026 | 98.21% | 80.43% | $1.6M | $25.0M |
Commercial Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 231) · FFIEC NIC profile (RSSD 194440)