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: 68.8% lower than in Q1 2026, at $5.1M. Iowa State Bank ranks 126th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 80.25% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Iowa State Bank reported 80.25% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $140.4M |
| Fed funds sold and reverse repos | $5.1M |
| Fed funds sold and reverse repos to assets | 1.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.4M |
| Other borrowed money | $38.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.25% |
| Net loans and leases to deposits | 79.17% |
| Loans and leases to core deposits | 92.16% |
| Core deposits to total deposits | 80.45% |
| Brokered deposits to total deposits | 10.05% |
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 | 78.30% | 92.28% | $13.5M | $69.9M |
| Q4 2023 | 80.79% | 92.43% | $28.7M | $56.0M |
| Q1 2024 | 82.06% | 92.22% | $28.4M | $56.0M |
| Q2 2024 | 86.85% | 91.64% | $34.3M | $65.9M |
| Q3 2024 | 85.20% | 91.35% | $21.4M | $70.9M |
| Q4 2024 | 81.12% | 87.02% | $27.5M | $46.0M |
| Q1 2025 | 83.42% | 87.13% | $12.3M | $57.0M |
| Q2 2025 | 88.48% | 86.38% | $14.5M | $70.4M |
| Q3 2025 | 87.03% | 84.62% | $13.6M | $63.4M |
| Q4 2025 | 80.49% | 80.53% | $9.8M | $38.0M |
| Q1 2026 | 78.33% | 79.98% | $12.1M | $38.0M |
| Q2 2026 | 80.25% | 80.45% | $7.4M | $38.0M |
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 950) · FFIEC NIC profile (RSSD 734248)