Fidelity Bank & Trust: 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 climbed 47.6% in Q2 2026, from $5.1M to $7.5M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Fidelity Bank & Trust is 77th of 225 on loan-to-deposit ratio, 89.54% as of Q2 2026. At 89.54%, Fidelity Bank & Trust's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $49.5M |
| Cash and noninterest-bearing balances to assets | 1.61% |
| Cash and securities | $524.0M |
| Fed funds sold and reverse repos | $7.5M |
| Fed funds sold and reverse repos to assets | 0.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $13.2M |
| Other borrowed money | $171.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.54% |
| Net loans and leases to deposits | 88.57% |
| Loans and leases to core deposits | 99.60% |
| Core deposits to total deposits | 89.56% |
| Brokered deposits to total deposits | 0.34% |
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 | 78.08% | 93.46% | $17.9M | $64.9M |
| Q4 2023 | 78.02% | 92.16% | $32.4M | $44.9M |
| Q1 2024 | 79.42% | 92.07% | $37.8M | $43.8M |
| Q2 2024 | 76.81% | 91.77% | $9.9M | $43.8M |
| Q3 2024 | 77.54% | 91.38% | $13.6M | $43.7M |
| Q4 2024 | 78.18% | 90.69% | $37.0M | $13.2M |
| Q1 2025 | 79.46% | 90.79% | $12.0M | $48.1M |
| Q2 2025 | 79.86% | 91.03% | $11.1M | $65.1M |
| Q3 2025 | 80.78% | 91.13% | $14.7M | $79.9M |
| Q4 2025 | 84.99% | 89.62% | $37.1M | $84.1M |
| Q1 2026 | 87.61% | 89.94% | $14.1M | $136.1M |
| Q2 2026 | 89.54% | 89.56% | $13.2M | $171.0M |
Fidelity Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank & Trust, 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 Fidelity Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14382) · FFIEC NIC profile (RSSD 939249)