Iowa Trust and 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.
Loans and leases to core deposits climbed 2.59 percentage points in Q2 2026, from 65.01% to 67.60%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Iowa Trust and Savings Bank is 180th of 225 on loan-to-deposit ratio, 64.66% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Iowa Trust and Savings Bank sits 16.18 points lower, at 64.66% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $115.7M |
| 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 | $45.6M |
| 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 | 64.66% |
| Net loans and leases to deposits | 63.68% |
| Loans and leases to core deposits | 67.60% |
| Core deposits to total deposits | 95.66% |
| 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 | 60.96% | 91.58% | $40.5M | $0 |
| Q4 2023 | 62.44% | 90.58% | $40.4M | $0 |
| Q1 2024 | 61.52% | 90.27% | $44.3M | $0 |
| Q2 2024 | 61.83% | 89.75% | $38.7M | $0 |
| Q3 2024 | 63.87% | 89.59% | $34.0M | $0 |
| Q4 2024 | 61.53% | 89.68% | $36.4M | $0 |
| Q1 2025 | 62.45% | 90.28% | $35.6M | $0 |
| Q2 2025 | 65.23% | 92.65% | $35.7M | $0 |
| Q3 2025 | 70.27% | 93.27% | $37.1M | $0 |
| Q4 2025 | 67.59% | 94.48% | $37.5M | $0 |
| Q1 2026 | 62.18% | 95.64% | $40.4M | $0 |
| Q2 2026 | 64.66% | 95.66% | $45.6M | $0 |
Iowa Trust and 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 Trust and 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 Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1547) · FFIEC NIC profile (RSSD 202541)