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.
Fed funds sold and reverse repos to assets climbed 6.99 percentage points in Q2 2026, from 15.23% to 22.22%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Community State Bank is 8th from the bottom among 225 Iowa banks, 39.56% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Community State Bank sits 27.77 points lower, at 39.56% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.3M |
| Fed funds sold and reverse repos | $9.2M |
| Fed funds sold and reverse repos to assets | 22.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 39.56% |
| Net loans and leases to deposits | 39.40% |
| Loans and leases to core deposits | 41.20% |
| Core deposits to total deposits | 96.02% |
| 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 | 39.56% | 96.59% | $0 | $0 |
| Q4 2023 | 44.28% | 96.55% | $0 | $0 |
| Q1 2024 | 42.14% | 96.51% | $0 | $0 |
| Q2 2024 | 44.97% | 97.67% | $0 | $0 |
| Q3 2024 | 45.54% | 97.54% | $0 | $0 |
| Q4 2024 | 47.68% | 97.29% | $0 | $0 |
| Q1 2025 | 42.38% | 96.56% | $0 | $0 |
| Q2 2025 | 41.13% | 97.23% | $0 | $0 |
| Q3 2025 | 40.92% | 96.91% | $0 | $0 |
| Q4 2025 | 41.03% | 96.97% | $0 | $0 |
| Q1 2026 | 39.42% | 96.94% | $0 | $0 |
| Q2 2026 | 39.56% | 96.02% | $0 | $0 |
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 17551) · FFIEC NIC profile (RSSD 92144)