Defiance 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.
Loans and leases to core deposits climbed 1.28 percentage points in Q2 2026, from 107.67% to 108.95%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Defiance State Bank is 43rd of 225 on loan-to-deposit ratio, 95.94% as of Q3 2026. Defiance State Bank reported 95.94% on loan-to-deposit ratio for Q2 2026, 28.62 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $8.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.94% |
| Net loans and leases to deposits | 95.35% |
| Loans and leases to core deposits | 108.95% |
| Core deposits to total deposits | 88.06% |
| 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 | 94.20% | 94.48% | $8K | $6.4M |
| Q4 2023 | 92.83% | 94.58% | $0 | $6.8M |
| Q1 2024 | 85.38% | 91.98% | $0 | $2.9M |
| Q2 2024 | 84.13% | 91.99% | $0 | $2.6M |
| Q3 2024 | 91.32% | 93.17% | $0 | $4.0M |
| Q4 2024 | 90.65% | 92.49% | $0 | $3.1M |
| Q1 2025 | 91.64% | 89.25% | $0 | $3.8M |
| Q2 2025 | 89.86% | 90.59% | $0 | $2.6M |
| Q3 2025 | 95.82% | 90.01% | $0 | $4.0M |
| Q4 2025 | 102.13% | 88.81% | $0 | $6.4M |
| Q1 2026 | 95.17% | 88.39% | $0 | $4.4M |
| Q2 2026 | 95.94% | 88.06% | $0 | $4.6M |
Defiance State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Defiance 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 Defiance State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17450) · FFIEC NIC profile (RSSD 902645)