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 Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $0. Within Iowa, Iowa State Bank is 162nd of 225 on loan-to-deposit ratio, 70.56% as of Q2 2026, below the middle of the field. Iowa State Bank reported 70.56% on loan-to-deposit ratio for Q2 2026, 10.28 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 | $50.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $197.3M |
| 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 | $13.5M |
| Other borrowed money | $563K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.56% |
| Net loans and leases to deposits | 70.03% |
| Loans and leases to core deposits | 73.78% |
| Core deposits to total deposits | 95.64% |
| 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 | 71.68% | 98.04% | $11.4M | $0 |
| Q4 2023 | 72.56% | 97.56% | $10.9M | $0 |
| Q1 2024 | 73.53% | 97.11% | $10.3M | $0 |
| Q2 2024 | 73.99% | 96.42% | $11.8M | $0 |
| Q3 2024 | 75.11% | 95.60% | $12.7M | $0 |
| Q4 2024 | 71.94% | 95.91% | $20.1M | $0 |
| Q1 2025 | 72.12% | 93.05% | $13.9M | $172K |
| Q2 2025 | 71.15% | 92.82% | $10.6M | $563K |
| Q3 2025 | 71.70% | 95.43% | $12.5M | $563K |
| Q4 2025 | 69.32% | 96.14% | $13.0M | $563K |
| Q1 2026 | 70.06% | 95.55% | $13.2M | $563K |
| Q2 2026 | 70.56% | 95.64% | $13.5M | $563K |
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 15808) · FFIEC NIC profile (RSSD 662949)