Iowa Falls 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 Other borrowed money: 58.4% lower than in Q1 2026, at $6.2M. Iowa Falls State Bank ranks 191st of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 60.58% (Q2 2026). Iowa Falls State Bank reported 60.58% on loan-to-deposit ratio for Q2 2026, 20.25 points below 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 | $3.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $85.2M |
| 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 | $6.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.58% |
| Net loans and leases to deposits | 59.93% |
| Loans and leases to core deposits | 66.83% |
| Core deposits to total deposits | 90.66% |
| Brokered deposits to total deposits | 1.84% |
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 | 57.39% | 92.32% | $0 | $4.0M |
| Q4 2023 | 61.82% | 91.59% | $0 | $6.0M |
| Q1 2024 | 61.81% | 90.70% | $0 | $6.0M |
| Q2 2024 | 61.80% | 92.51% | $0 | $9.0M |
| Q3 2024 | 61.74% | 93.13% | $0 | $9.0M |
| Q4 2024 | 62.96% | 93.46% | $0 | $12.6M |
| Q1 2025 | 59.69% | 93.55% | $0 | $11.3M |
| Q2 2025 | 61.20% | 91.96% | $0 | $9.0M |
| Q3 2025 | 64.42% | 92.38% | $0 | $13.7M |
| Q4 2025 | 61.96% | 91.61% | $0 | $8.6M |
| Q1 2026 | 63.61% | 90.69% | $0 | $14.8M |
| Q2 2026 | 60.58% | 90.66% | $0 | $6.2M |
Iowa Falls State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa Falls 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 Iowa Falls State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15311) · FFIEC NIC profile (RSSD 989141)