Community 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 sold and reverse repos: 88.3% lower than in Q1 2026, at $479K. Within Iowa, Community Savings Bank is 98th of 225 on loan-to-deposit ratio, 84.78% as of Q2 2026, above the middle of the field. Community Savings Bank reported 84.78% on loan-to-deposit ratio for Q2 2026, 3.94 points above 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 | $16.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $162.3M |
| Fed funds sold and reverse repos | $479K |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.4M |
| Other borrowed money | $47.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.78% |
| Net loans and leases to deposits | 83.75% |
| Loans and leases to core deposits | 99.61% |
| Core deposits to total deposits | 82.76% |
| Brokered deposits to total deposits | 2.45% |
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 | 89.04% | 87.94% | $19.7M | $48.3M |
| Q4 2023 | 93.24% | 87.20% | $26.0M | $63.8M |
| Q1 2024 | 91.30% | 83.41% | $13.3M | $58.3M |
| Q2 2024 | 90.55% | 83.49% | $10.7M | $56.7M |
| Q3 2024 | 92.68% | 82.40% | $13.3M | $64.5M |
| Q4 2024 | 95.94% | 81.03% | $24.5M | $69.5M |
| Q1 2025 | 94.81% | 80.44% | $15.5M | $67.6M |
| Q2 2025 | 94.09% | 80.22% | $16.5M | $67.3M |
| Q3 2025 | 95.61% | 80.19% | $17.3M | $68.3M |
| Q4 2025 | 87.79% | 80.51% | $12.0M | $55.3M |
| Q1 2026 | 85.82% | 82.36% | $11.7M | $51.3M |
| Q2 2026 | 84.78% | 82.76% | $5.4M | $47.5M |
Community Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14633) · FFIEC NIC profile (RSSD 646743)