Federation 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 purchased and repos climbed 114.8% in Q2 2026, from $2.5M to $5.4M. It was the largest change from Q1 2026 among the key lines here. Federation Bank ranks 187th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 61.94% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Federation Bank sits 18.90 points lower, at 61.94% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.8M |
| 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 | $5.4M |
| Other borrowed money | $1.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.94% |
| Net loans and leases to deposits | 61.03% |
| Loans and leases to core deposits | 64.84% |
| Core deposits to total deposits | 95.53% |
| 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 | 55.84% | 97.22% | $4.2M | $1.5M |
| Q4 2023 | 52.33% | 97.85% | $4.0M | $1.5M |
| Q1 2024 | 54.13% | 97.17% | $4.0M | $1.5M |
| Q2 2024 | 55.80% | 97.43% | $4.9M | $1.4M |
| Q3 2024 | 52.16% | 97.20% | $5.3M | $1.4M |
| Q4 2024 | 57.81% | 96.61% | $5.0M | $1.4M |
| Q1 2025 | 56.16% | 95.70% | $3.6M | $1.3M |
| Q2 2025 | 57.95% | 94.09% | $5.0M | $1.3M |
| Q3 2025 | 60.81% | 94.02% | $4.0M | $1.3M |
| Q4 2025 | 61.93% | 94.83% | $5.4M | $1.2M |
| Q1 2026 | 61.58% | 95.03% | $2.5M | $1.2M |
| Q2 2026 | 61.94% | 95.53% | $5.4M | $1.2M |
Federation Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Federation 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 Federation Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14352) · FFIEC NIC profile (RSSD 764142)