Iowa 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 Loan-to-deposit ratio: 1.69 percentage points lower than in Q1 2026, at 81.73%. Within Iowa, Iowa State Bank is 116th of 225 on loan-to-deposit ratio, 81.73% as of Q2 2026. At 81.73%, Iowa State Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.7M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.73% |
| Net loans and leases to deposits | 80.43% |
| Loans and leases to core deposits | 89.93% |
| Core deposits to total deposits | 90.87% |
| 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 | 95.39% | 92.16% | $2.9M | $5.5M |
| Q4 2023 | 96.27% | 93.42% | $1.8M | $9.0M |
| Q1 2024 | 93.06% | 92.22% | $0 | $2.0M |
| Q2 2024 | 91.95% | 92.03% | $0 | $2.0M |
| Q3 2024 | 93.69% | 92.24% | $300K | $2.0M |
| Q4 2024 | 94.40% | 91.62% | $650K | $2.0M |
| Q1 2025 | 88.51% | 91.20% | $0 | $2.0M |
| Q2 2025 | 92.43% | 90.91% | $0 | $0 |
| Q3 2025 | 92.39% | 90.80% | $0 | $0 |
| Q4 2025 | 92.56% | 90.77% | $0 | $0 |
| Q1 2026 | 83.42% | 91.19% | $0 | $0 |
| Q2 2026 | 81.73% | 90.87% | $0 | $0 |
Iowa 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 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10497) · FFIEC NIC profile (RSSD 298049)