Community Bank of Oelwein: 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 Q3 2026 was in Fed funds sold and reverse repos: 67.4% lower than in Q2 2026, at $1.5M. Community Bank of Oelwein ranks 115th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 82.30% (Q3 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Community Bank of Oelwein sits 14.37 points higher, at 82.30% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.0M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 1.59% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 82.30% |
| Net loans and leases to deposits | 81.61% |
| Loans and leases to core deposits | 98.16% |
| Core deposits to total deposits | 83.17% |
| Brokered deposits to total deposits | 6.99% |
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 |
|---|---|---|---|---|
| Q4 2023 | 69.06% | 71.41% | $0 | $3.0M |
| Q1 2024 | 73.05% | 73.25% | $0 | $3.0M |
| Q2 2024 | 74.43% | 72.30% | $0 | $2.0M |
| Q3 2024 | 76.11% | 70.90% | $0 | $4.0M |
| Q4 2024 | 80.94% | 71.80% | $0 | $5.0M |
| Q1 2025 | 77.18% | 70.13% | $0 | $3.0M |
| Q2 2025 | 81.74% | 73.73% | $0 | $4.5M |
| Q3 2025 | 78.20% | 75.88% | $0 | $6.5M |
| Q4 2025 | 79.75% | 76.04% | $0 | $6.5M |
| Q1 2026 | 81.51% | 77.66% | $0 | $6.5M |
| Q2 2026 | 81.31% | 83.25% | $0 | $6.5M |
| Q3 2026 | 82.30% | 83.17% | $0 | $3.5M |
Community Bank of Oelwein liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Oelwein, 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 Community Bank of Oelwein profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34857) · FFIEC NIC profile (RSSD 2702764)