Hiawatha Bank & Trust Company: 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 Q3 2026 was in Other borrowed money: 72.0% higher than in Q2 2026, at $8.6M. Within Iowa, Hiawatha Bank & Trust Company is 116th of 225 on loan-to-deposit ratio, 82.18% as of Q3 2026, below the middle of the field. At 82.18%, Hiawatha Bank & Trust Company's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $887K |
| Other borrowed money | $8.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 82.18% |
| Net loans and leases to deposits | 81.28% |
| Loans and leases to core deposits | 84.47% |
| Core deposits to total deposits | 97.29% |
| Brokered deposits to total deposits | 2.99% |
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 |
|---|---|---|---|---|
| Q4 2023 | 76.69% | 98.45% | $0 | $0 |
| Q1 2024 | 77.43% | 97.42% | $0 | $900K |
| Q2 2024 | 82.18% | 97.42% | $170K | $7.7M |
| Q3 2024 | 85.45% | 96.73% | $0 | $15.0M |
| Q4 2024 | 82.78% | 95.70% | $0 | $7.8M |
| Q1 2025 | 85.10% | 95.12% | $0 | $11.5M |
| Q2 2025 | 83.96% | 95.63% | $0 | $8.5M |
| Q3 2025 | 82.07% | 96.93% | $0 | $7.5M |
| Q4 2025 | 84.94% | 96.94% | $0 | $8.3M |
| Q1 2026 | 79.91% | 97.46% | $0 | $7.0M |
| Q2 2026 | 80.61% | 97.26% | $345K | $5.0M |
| Q3 2026 | 82.18% | 97.29% | $887K | $8.6M |
Hiawatha Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hiawatha Bank & Trust Company, 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 Hiawatha Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34488) · FFIEC NIC profile (RSSD 2536633)