The Exchange 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 dropped 62.8% in Q2 2026, from $2.7M to $1.0M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, The Exchange State Bank is 195th of 225 on loan-to-deposit ratio, 59.41% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Exchange State Bank sits 8.21 points lower, at 59.41% (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 | $23.1M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 1.92% |
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 | 59.41% |
| Net loans and leases to deposits | 58.59% |
| Loans and leases to core deposits | 64.33% |
| Core deposits to total deposits | 92.35% |
| 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 | 56.71% | 99.39% | $0 | $0 |
| Q4 2023 | 67.01% | 99.34% | $592K | $5.5M |
| Q1 2024 | 71.56% | 98.42% | $0 | $7.6M |
| Q2 2024 | 65.27% | 98.54% | $0 | $3.4M |
| Q3 2024 | 71.62% | 98.43% | $388K | $5.6M |
| Q4 2024 | 68.96% | 97.91% | $398K | $2.9M |
| Q1 2025 | 63.26% | 95.47% | $269K | $0 |
| Q2 2025 | 62.28% | 94.79% | $231K | $320K |
| Q3 2025 | 62.95% | 95.48% | $74K | $900K |
| Q4 2025 | 61.45% | 95.22% | $0 | $0 |
| Q1 2026 | 58.00% | 94.49% | $0 | $0 |
| Q2 2026 | 59.41% | 92.35% | $0 | $0 |
The Exchange State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Exchange 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 The Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16094) · FFIEC NIC profile (RSSD 362043)