Fairfax State 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.
Loans and leases to core deposits climbed 10.15 percentage points in Q2 2026, from 77.62% to 87.78%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Fairfax State Savings Bank is 167th of 225 on loan-to-deposit ratio, 68.94% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Fairfax State Savings Bank sits 11.90 points lower, at 68.94% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $117.5M |
| 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 | $9.8M |
| Other borrowed money | $27.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.94% |
| Net loans and leases to deposits | 68.03% |
| Loans and leases to core deposits | 87.78% |
| Core deposits to total deposits | 74.82% |
| Brokered deposits to total deposits | 3.72% |
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 | 71.89% | 82.92% | $0 | $33.0M |
| Q4 2023 | 72.26% | 83.44% | $0 | $50.0M |
| Q1 2024 | 68.05% | 82.95% | $0 | $50.0M |
| Q2 2024 | 70.21% | 82.21% | $0 | $41.0M |
| Q3 2024 | 68.54% | 82.88% | $0 | $40.0M |
| Q4 2024 | 69.71% | 83.25% | $0 | $24.0M |
| Q1 2025 | 68.05% | 83.30% | $0 | $24.0M |
| Q2 2025 | 67.83% | 84.08% | $0 | $24.0M |
| Q3 2025 | 67.76% | 82.74% | $0 | $23.0M |
| Q4 2025 | 67.49% | 84.09% | $0 | $23.0M |
| Q1 2026 | 64.24% | 79.28% | $0 | $23.0M |
| Q2 2026 | 68.94% | 74.82% | $9.8M | $27.2M |
Fairfax State Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairfax State 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 Fairfax State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8083) · FFIEC NIC profile (RSSD 682648)