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.
Loans and leases to core deposits climbed 7.62 percentage points in Q2 2026, from 116.37% to 123.99%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Iowa State Bank sits 22nd from the top on loan-to-deposit ratio, 103.61% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Iowa State Bank sits 15.41 points higher, at 103.61% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $285.1M |
| 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 | $128.3M |
| Other borrowed money | $110.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.61% |
| Net loans and leases to deposits | 102.38% |
| Loans and leases to core deposits | 123.99% |
| Core deposits to total deposits | 83.57% |
| Brokered deposits to total deposits | 6.34% |
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 | 98.02% | 94.67% | $145.7M | $40.0M |
| Q4 2023 | 92.90% | 91.82% | $85.6M | $55.0M |
| Q1 2024 | 94.68% | 86.10% | $127.5M | $84.0M |
| Q2 2024 | 94.35% | 83.98% | $142.8M | $95.0M |
| Q3 2024 | 96.39% | 83.90% | $144.6M | $95.0M |
| Q4 2024 | 89.41% | 82.34% | $68.5M | $90.0M |
| Q1 2025 | 87.05% | 81.53% | $43.8M | $80.0M |
| Q2 2025 | 96.40% | 85.18% | $81.9M | $110.0M |
| Q3 2025 | 99.84% | 81.84% | $147.4M | $100.0M |
| Q4 2025 | 95.46% | 84.04% | $107.7M | $100.0M |
| Q1 2026 | 97.96% | 84.18% | $105.5M | $95.0M |
| Q2 2026 | 103.61% | 83.57% | $128.3M | $110.0M |
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 13953) · FFIEC NIC profile (RSSD 982348)