Fowler 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 69.7% higher than in Q1 2026, at $2.8M. Fowler State Bank ranks 26th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 89.19% (Q2 2026). Fowler State Bank reported 89.19% on loan-to-deposit ratio for Q2 2026, 8.64 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 | $6.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.2M |
| Fed funds sold and reverse repos | $2.8M |
| Fed funds sold and reverse repos to assets | 1.80% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $9.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.19% |
| Net loans and leases to deposits | 87.46% |
| Loans and leases to core deposits | 106.54% |
| Core deposits to total deposits | 83.71% |
| Brokered deposits to total deposits | 0.01% |
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 | 60.56% | 85.81% | $619K | $10.6M |
| Q4 2023 | 61.89% | 85.77% | $496K | $7.5M |
| Q1 2024 | 64.72% | 85.39% | $274K | $7.3M |
| Q2 2024 | 67.90% | 85.94% | $318K | $7.2M |
| Q3 2024 | 68.48% | 84.78% | $318K | $7.1M |
| Q4 2024 | 75.97% | 84.28% | $220K | $10.5M |
| Q1 2025 | 76.09% | 84.24% | $220K | $6.9M |
| Q2 2025 | 79.50% | 83.53% | $125K | $8.0M |
| Q3 2025 | 76.11% | 82.96% | $0 | $6.4M |
| Q4 2025 | 81.59% | 82.70% | $0 | $6.4M |
| Q1 2026 | 85.14% | 83.74% | $0 | $6.2M |
| Q2 2026 | 89.19% | 83.71% | $0 | $9.1M |
Fowler State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fowler 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 Fowler State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12372) · FFIEC NIC profile (RSSD 433859)