Freedom Financial 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.
Loans and leases to core deposits dropped 6.46 percentage points in Q2 2026, from 135.92% to 129.46%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Freedom Financial Bank ranks 7th highest among the 225 banks headquartered in Iowa, at 109.42% (Q2 2026). Freedom Financial Bank reported 109.42% on loan-to-deposit ratio for Q2 2026, 28.59 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 | $25.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.2M |
| 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 | $35.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.42% |
| Net loans and leases to deposits | 107.75% |
| Loans and leases to core deposits | 129.46% |
| Core deposits to total deposits | 68.88% |
| Brokered deposits to total deposits | 15.64% |
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 | 99.60% | 73.65% | $0 | $38.7M |
| Q4 2023 | 96.25% | 73.84% | $0 | $40.7M |
| Q1 2024 | 98.67% | 73.60% | $0 | $38.0M |
| Q2 2024 | 107.63% | 70.65% | $0 | $44.8M |
| Q3 2024 | 107.45% | 69.71% | $0 | $35.3M |
| Q4 2024 | 109.52% | 68.68% | $0 | $38.8M |
| Q1 2025 | 107.26% | 65.29% | $0 | $35.9M |
| Q2 2025 | 111.91% | 63.47% | $0 | $40.7M |
| Q3 2025 | 112.72% | 67.19% | $0 | $42.6M |
| Q4 2025 | 115.73% | 67.30% | $0 | $45.0M |
| Q1 2026 | 115.38% | 71.56% | $0 | $42.9M |
| Q2 2026 | 109.42% | 68.88% | $0 | $35.7M |
Freedom Financial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Financial 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 Freedom Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35031) · FFIEC NIC profile (RSSD 2735137)