FNNB 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 1.67 percentage points in Q2 2026, from 85.41% to 87.08%. It was the largest change from Q1 2026 among the key lines here. FNNB Bank ranks 86th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 88.00% (Q2 2026). FNNB Bank reported 88.00% on loan-to-deposit ratio for Q2 2026, 7.44 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.9M |
| 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 | $10.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.00% |
| Net loans and leases to deposits | 87.08% |
| Loans and leases to core deposits | 88.52% |
| Core deposits to total deposits | 92.68% |
| Brokered deposits to total deposits | 6.72% |
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 | 65.76% | 91.53% | $10.7M | $0 |
| Q4 2023 | 71.11% | 92.57% | $14.7M | $600K |
| Q1 2024 | 73.94% | 92.63% | $13.8M | $2.0M |
| Q2 2024 | 73.29% | 98.28% | $12.0M | $1.4M |
| Q3 2024 | 71.00% | 91.67% | $7.2M | $1.8M |
| Q4 2024 | 68.24% | 91.89% | $4.9M | $900K |
| Q1 2025 | 73.75% | 91.99% | $7.3M | $1.2M |
| Q2 2025 | 78.03% | 91.93% | $9.9M | $100K |
| Q3 2025 | 73.78% | 92.34% | $2.7M | $500K |
| Q4 2025 | 76.49% | 92.76% | $2.2M | $600K |
| Q1 2026 | 86.35% | 92.31% | $0 | $10.2M |
| Q2 2026 | 88.00% | 92.68% | $0 | $10.8M |
FNNB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FNNB 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 FNNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4482) · FFIEC NIC profile (RSSD 242949)