Iowa State Savings 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.
Fed funds sold and reverse repos climbed 145.6% in Q2 2026, from $1.2M to $2.9M. It was the largest change from Q1 2026 among the key lines here. Iowa State Savings Bank ranks 174th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 66.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Iowa State Savings Bank sits 14.26 points lower, at 66.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $105.6M |
| Fed funds sold and reverse repos | $2.9M |
| Fed funds sold and reverse repos to assets | 1.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.4M |
| 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 | 66.68% |
| Net loans and leases to deposits | 65.68% |
| Loans and leases to core deposits | 70.59% |
| Core deposits to total deposits | 94.47% |
| 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 | 66.28% | 95.24% | $4.5M | $0 |
| Q4 2023 | 69.12% | 95.18% | $5.1M | $0 |
| Q1 2024 | 64.51% | 95.31% | $5.1M | $0 |
| Q2 2024 | 69.52% | 95.83% | $2.7M | $0 |
| Q3 2024 | 70.37% | 93.45% | $2.1M | $0 |
| Q4 2024 | 69.91% | 92.08% | $4.7M | $0 |
| Q1 2025 | 63.86% | 92.06% | $5.6M | $0 |
| Q2 2025 | 62.61% | 92.71% | $8.4M | $0 |
| Q3 2025 | 62.63% | 92.17% | $5.1M | $0 |
| Q4 2025 | 66.35% | 93.46% | $3.1M | $0 |
| Q1 2026 | 62.97% | 94.82% | $2.6M | $0 |
| Q2 2026 | 66.68% | 94.47% | $1.4M | $0 |
Iowa State Savings 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 Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8751) · FFIEC NIC profile (RSSD 869346)