First Security 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.
Net loans and leases to deposits climbed 3.16 percentage points in Q2 2026, from 79.90% to 83.07%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First Security State Bank is 105th of 225 on loan-to-deposit ratio, 83.94% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. First Security State Bank sits 16.61 points higher, at 83.94% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.1M |
| Fed funds sold and reverse repos | $61K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $402K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.94% |
| Net loans and leases to deposits | 83.07% |
| Loans and leases to core deposits | 97.99% |
| Core deposits to total deposits | 85.66% |
| 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 | 80.28% | 91.39% | $0 | $494K |
| Q4 2023 | 83.16% | 89.06% | $0 | $486K |
| Q1 2024 | 82.07% | 87.68% | $0 | $478K |
| Q2 2024 | 81.08% | 87.42% | $0 | $469K |
| Q3 2024 | 77.58% | 86.89% | $0 | $461K |
| Q4 2024 | 72.38% | 87.25% | $0 | $453K |
| Q1 2025 | 75.19% | 88.16% | $0 | $444K |
| Q2 2025 | 72.59% | 87.60% | $0 | $436K |
| Q3 2025 | 78.17% | 84.16% | $0 | $427K |
| Q4 2025 | 80.80% | 85.38% | $0 | $419K |
| Q1 2026 | 80.78% | 83.05% | $0 | $410K |
| Q2 2026 | 83.94% | 85.66% | $0 | $402K |
First Security State 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 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 First Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18508) · FFIEC NIC profile (RSSD 681043)