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.
Other borrowed money climbed 30.3% in Q2 2026, from $9.0M to $11.7M. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Fowler State Bank is 39th of 87 on loan-to-deposit ratio, 86.15% as of Q2 2026. Fowler State Bank reported 86.15% on loan-to-deposit ratio for Q2 2026, 5.60 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 | $2.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.4M |
| Fed funds sold and reverse repos | $88K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $11.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.15% |
| Net loans and leases to deposits | 85.05% |
| Loans and leases to core deposits | 88.83% |
| Core deposits to total deposits | 96.99% |
| 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 | 60.62% | 98.91% | $0 | $12.4M |
| Q4 2023 | 64.59% | 97.94% | $0 | $19.0M |
| Q1 2024 | 63.62% | 97.91% | $0 | $10.0M |
| Q2 2024 | 67.29% | 97.73% | $0 | $12.6M |
| Q3 2024 | 72.96% | 98.02% | $0 | $13.3M |
| Q4 2024 | 76.87% | 98.16% | $0 | $20.0M |
| Q1 2025 | 76.06% | 97.74% | $0 | $8.5M |
| Q2 2025 | 83.43% | 97.21% | $0 | $19.3M |
| Q3 2025 | 85.76% | 95.23% | $0 | $20.0M |
| Q4 2025 | 83.37% | 95.45% | $0 | $21.0M |
| Q1 2026 | 84.44% | 95.91% | $0 | $9.0M |
| Q2 2026 | 86.15% | 96.99% | $0 | $11.7M |
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 1821) · FFIEC NIC profile (RSSD 554343)