Iowa State Bank and Trust Company: 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.
Loan-to-deposit ratio dropped 7.07 percentage points in Q2 2026, from 91.28% to 84.21%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Iowa State Bank and Trust Company is 103rd of 225 on loan-to-deposit ratio, 84.21% as of Q2 2026, above the middle of the field. Iowa State Bank and Trust Company reported 84.21% on loan-to-deposit ratio for Q2 2026, 3.37 points above 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 | $24.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $89.1M |
| 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 | $0 |
| Other borrowed money | $22.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.21% |
| Net loans and leases to deposits | 83.31% |
| Loans and leases to core deposits | 94.64% |
| Core deposits to total deposits | 86.90% |
| Brokered deposits to total deposits | 2.08% |
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 | 92.32% | 88.77% | $0 | $19.8M |
| Q4 2023 | 97.91% | 90.60% | $8.0M | $20.6M |
| Q1 2024 | 96.13% | 83.56% | $9.2M | $21.6M |
| Q2 2024 | 95.00% | 81.50% | $9.2M | $21.2M |
| Q3 2024 | 96.78% | 78.59% | $0 | $27.5M |
| Q4 2024 | 94.52% | 78.34% | $0 | $22.5M |
| Q1 2025 | 93.15% | 78.53% | $0 | $22.8M |
| Q2 2025 | 87.45% | 83.47% | $0 | $21.3M |
| Q3 2025 | 87.41% | 88.22% | $0 | $21.5M |
| Q4 2025 | 88.00% | 89.98% | $0 | $23.5M |
| Q1 2026 | 91.28% | 89.16% | $0 | $26.6M |
| Q2 2026 | 84.21% | 86.90% | $0 | $22.1M |
Iowa State Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14413) · FFIEC NIC profile (RSSD 651541)