Denver 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 Loans and leases to core deposits: 4.08 percentage points higher than in Q1 2026, at 108.85%. Denver Savings Bank ranks 52nd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 94.37% (Q2 2026). Denver Savings Bank reported 94.37% on loan-to-deposit ratio for Q2 2026, 13.53 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 | $10.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.6M |
| 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 | $35.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.37% |
| Net loans and leases to deposits | 93.38% |
| Loans and leases to core deposits | 108.85% |
| Core deposits to total deposits | 82.14% |
| Brokered deposits to total deposits | 4.55% |
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 | 95.58% | 78.48% | $0 | $30.7M |
| Q4 2023 | 97.22% | 77.48% | $0 | $30.7M |
| Q1 2024 | 96.38% | 79.39% | $0 | $30.7M |
| Q2 2024 | 100.02% | 82.07% | $0 | $34.8M |
| Q3 2024 | 92.07% | 80.23% | $0 | $30.7M |
| Q4 2024 | 89.94% | 80.35% | $0 | $30.7M |
| Q1 2025 | 89.69% | 79.84% | $0 | $30.7M |
| Q2 2025 | 94.18% | 80.23% | $0 | $35.8M |
| Q3 2025 | 93.41% | 78.47% | $0 | $35.8M |
| Q4 2025 | 90.28% | 79.11% | $0 | $35.8M |
| Q1 2026 | 92.02% | 80.18% | $0 | $35.8M |
| Q2 2026 | 94.37% | 82.14% | $0 | $35.8M |
Denver Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Denver 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 Denver Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12857) · FFIEC NIC profile (RSSD 220844)