Community 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.
Cash and balances due from depository institutions dropped 31.5% in Q2 2026, from $15.5M to $10.6M. It was the largest change from Q1 2026 among the key lines here. Community State Bank has the 22nd lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 53.67% as of Q2 2026. Community State Bank reported 53.67% on loan-to-deposit ratio for Q2 2026, 26.89 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $175.8M |
| Fed funds sold and reverse repos | $8.1M |
| Fed funds sold and reverse repos to assets | 2.35% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $18.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.67% |
| Net loans and leases to deposits | 52.93% |
| Loans and leases to core deposits | 62.74% |
| Core deposits to total deposits | 81.08% |
| Brokered deposits to total deposits | 4.46% |
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 | 57.56% | 90.96% | $2.7M | $23.8M |
| Q4 2023 | 59.11% | 89.94% | $0 | $23.7M |
| Q1 2024 | 56.73% | 87.32% | $0 | $21.1M |
| Q2 2024 | 60.32% | 86.26% | $2.1M | $23.1M |
| Q3 2024 | 59.65% | 83.63% | $0 | $18.0M |
| Q4 2024 | 59.56% | 84.00% | $5.8M | $18.0M |
| Q1 2025 | 56.62% | 84.19% | $0 | $16.9M |
| Q2 2025 | 56.91% | 82.89% | $0 | $16.9M |
| Q3 2025 | 57.92% | 82.46% | $0 | $18.8M |
| Q4 2025 | 55.06% | 82.13% | $0 | $20.5M |
| Q1 2026 | 53.89% | 81.20% | $0 | $18.7M |
| Q2 2026 | 53.67% | 81.08% | $0 | $18.7M |
Community State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 230) · FFIEC NIC profile (RSSD 849348)