Freedombank: 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: 42.0% lower than in Q1 2026, at $3.3M. Within Iowa, Freedombank is 70th of 225 on loan-to-deposit ratio, 90.94% as of Q2 2026. Freedombank reported 90.94% on loan-to-deposit ratio for Q2 2026, 10.39 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 | $9.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.9M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 0.77% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.94% |
| Net loans and leases to deposits | 89.93% |
| Loans and leases to core deposits | 98.38% |
| Core deposits to total deposits | 92.17% |
| Brokered deposits to total deposits | 0.27% |
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 | 85.10% | 95.93% | $0 | $20.9M |
| Q4 2023 | 86.89% | 95.68% | $7.3M | $20.2M |
| Q1 2024 | 80.37% | 95.35% | $0 | $20.2M |
| Q2 2024 | 84.40% | 95.08% | $0 | $20.1M |
| Q3 2024 | 83.26% | 92.28% | $0 | $15.1M |
| Q4 2024 | 81.06% | 91.95% | $0 | $15.1M |
| Q1 2025 | 80.64% | 92.05% | $0 | $15.0M |
| Q2 2025 | 84.54% | 91.56% | $0 | $14.1M |
| Q3 2025 | 87.84% | 92.59% | $3.6M | $14.1M |
| Q4 2025 | 86.62% | 92.73% | $0 | $14.0M |
| Q1 2026 | 88.32% | 92.67% | $0 | $13.8M |
| Q2 2026 | 90.94% | 92.17% | $0 | $13.8M |
Freedombank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedombank, 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 Freedombank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11767) · FFIEC NIC profile (RSSD 652043)