Dysart 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.
Loan-to-deposit ratio climbed 3.24 percentage points in Q2 2026, from 88.92% to 92.16%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Dysart State Bank is 60th of 225 on loan-to-deposit ratio, 92.16% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Dysart State Bank sits 24.83 points higher, at 92.16% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $2.7M |
| 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 | $1.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.86% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.16% |
| Net loans and leases to deposits | 91.22% |
| Loans and leases to core deposits | 92.16% |
| Core deposits to total deposits | 100.00% |
| 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 | 62.02% | 100.00% | $0 | $1.3M |
| Q4 2023 | 65.88% | 100.00% | $0 | $1.5M |
| Q1 2024 | 76.38% | 100.00% | $0 | $2.5M |
| Q2 2024 | 71.90% | 100.00% | $0 | $2.1M |
| Q3 2024 | 76.60% | 100.00% | $0 | $1.7M |
| Q4 2024 | 72.59% | 100.00% | $0 | $1.8M |
| Q1 2025 | 83.49% | 100.00% | $601K | $1.9M |
| Q2 2025 | 82.45% | 100.00% | $0 | $1.9M |
| Q3 2025 | 81.06% | 100.00% | $0 | $1.4M |
| Q4 2025 | 87.57% | 100.00% | $0 | $1.4M |
| Q1 2026 | 88.92% | 100.00% | $187K | $1.2M |
| Q2 2026 | 92.16% | 100.00% | $0 | $1.3M |
Dysart State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dysart 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 Dysart State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17441) · FFIEC NIC profile (RSSD 602842)