First Trust and 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 92.0% higher than in Q1 2026, at $9.6M. Within Iowa, First Trust and Savings Bank is 28th of 225 on loan-to-deposit ratio, 102.02% as of Q2 2026, above the middle of the field. First Trust and Savings Bank reported 102.02% on loan-to-deposit ratio for Q2 2026, 21.18 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.1M |
| 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 | $2.0M |
| Other borrowed money | $11.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.02% |
| Net loans and leases to deposits | 100.77% |
| Loans and leases to core deposits | 113.04% |
| Core deposits to total deposits | 89.50% |
| Brokered deposits to total deposits | 4.35% |
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 | 110.92% | 91.84% | $11.4M | $7.9M |
| Q4 2023 | 109.73% | 90.01% | $7.6M | $7.9M |
| Q1 2024 | 112.11% | 87.67% | $14.2M | $7.9M |
| Q2 2024 | 110.26% | 87.43% | $10.1M | $7.9M |
| Q3 2024 | 109.16% | 88.50% | $13.0M | $7.8M |
| Q4 2024 | 106.31% | 89.41% | $3.5M | $7.8M |
| Q1 2025 | 110.25% | 89.88% | $12.6M | $7.8M |
| Q2 2025 | 106.28% | 89.53% | $2.4M | $7.8M |
| Q3 2025 | 107.74% | 90.66% | $6.4M | $10.8M |
| Q4 2025 | 104.59% | 91.00% | $1.6M | $11.8M |
| Q1 2026 | 105.39% | 88.82% | $6.9M | $11.8M |
| Q2 2026 | 102.02% | 89.50% | $2.0M | $11.8M |
First Trust and Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Trust and 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 First Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8752) · FFIEC NIC profile (RSSD 640442)