Decorah Bank and Trust Company: 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 Cash and balances due from depository institutions: 19.0% higher than in Q1 2026, at $37.7M. Decorah Bank and Trust Company ranks 113th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 83.26% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Decorah Bank and Trust Company sits 2.43 points higher, at 83.26% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.7M |
| Cash and noninterest-bearing balances to assets | 4.28% |
| Cash and securities | $190.3M |
| Fed funds sold and reverse repos | $3.7M |
| Fed funds sold and reverse repos to assets | 0.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.3M |
| Other borrowed money | $11.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.26% |
| Net loans and leases to deposits | 82.01% |
| Loans and leases to core deposits | 93.22% |
| Core deposits to total deposits | 88.85% |
| Brokered deposits to total deposits | 0.47% |
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 | 89.89% | 89.15% | $8.9M | $14.6M |
| Q4 2023 | 88.99% | 83.65% | $10.7M | $14.4M |
| Q1 2024 | 87.57% | 83.13% | $3.7M | $14.2M |
| Q2 2024 | 86.56% | 82.52% | $2.5M | $14.0M |
| Q3 2024 | 87.13% | 83.98% | $2.6M | $13.9M |
| Q4 2024 | 89.11% | 85.16% | $8.0M | $15.7M |
| Q1 2025 | 85.09% | 86.55% | $1.6M | $17.2M |
| Q2 2025 | 86.28% | 86.75% | $5.7M | $16.4M |
| Q3 2025 | 87.74% | 87.38% | $6.2M | $16.8M |
| Q4 2025 | 86.24% | 87.73% | $4.6M | $14.8M |
| Q1 2026 | 84.28% | 88.76% | $2.5M | $13.4M |
| Q2 2026 | 83.26% | 88.85% | $2.3M | $11.2M |
Decorah Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Decorah Bank and Trust Company, 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 Decorah Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15200) · FFIEC NIC profile (RSSD 872047)