First Security 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.
The standout move of Q2 2026 was in Net loans and leases to deposits: 2.81 percentage points lower than in Q1 2026, at 58.77%. First Security Bank ranks 194th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 59.71% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. First Security Bank sits 7.62 points lower, at 59.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.1M |
| 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 | $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 | 59.71% |
| Net loans and leases to deposits | 58.77% |
| Loans and leases to core deposits | 65.16% |
| Core deposits to total deposits | 91.63% |
| 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 | 62.09% | 92.38% | $0 | $0 |
| Q4 2023 | 67.95% | 92.44% | $0 | $2.3M |
| Q1 2024 | 60.34% | 89.63% | $0 | $0 |
| Q2 2024 | 60.87% | 89.23% | $0 | $0 |
| Q3 2024 | 71.22% | 90.01% | $0 | $2.1M |
| Q4 2024 | 74.27% | 90.24% | $0 | $0 |
| Q1 2025 | 63.52% | 89.13% | $0 | $0 |
| Q2 2025 | 61.37% | 91.60% | $0 | $0 |
| Q3 2025 | 68.53% | 91.20% | $0 | $0 |
| Q4 2025 | 71.47% | 91.51% | $0 | $0 |
| Q1 2026 | 62.47% | 92.09% | $0 | $0 |
| Q2 2026 | 59.71% | 91.63% | $0 | $0 |
First Security Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security 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 First Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 251) · FFIEC NIC profile (RSSD 943143)