The Iuka 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 Cash and balances due from depository institutions: 69.8% higher than in Q1 2026, at $7.6M. Among 323 Illinois banks, The Iuka State Bank sits 28th from the top on loan-to-deposit ratio, 97.02% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Iuka State Bank sits 16.07 points higher, at 97.02% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $19.4M |
| Fed funds sold and reverse repos | $391K |
| Fed funds sold and reverse repos to assets | 0.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.02% |
| Net loans and leases to deposits | 94.09% |
| Loans and leases to core deposits | 106.72% |
| Core deposits to total deposits | 75.17% |
| Brokered deposits to total deposits | 20.18% |
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 | 103.97% | 85.77% | $0 | $15.9M |
| Q4 2023 | 108.69% | 86.37% | $0 | $20.6M |
| Q1 2024 | 105.09% | 83.60% | $0 | $14.8M |
| Q2 2024 | 116.45% | 82.31% | $0 | $24.7M |
| Q3 2024 | 114.67% | 83.09% | $0 | $26.3M |
| Q4 2024 | 118.17% | 82.59% | $0 | $29.9M |
| Q1 2025 | 117.60% | 90.34% | $0 | $26.2M |
| Q2 2025 | 111.24% | 95.39% | $0 | $24.2M |
| Q3 2025 | 119.07% | 86.27% | $0 | $25.7M |
| Q4 2025 | 115.26% | 83.52% | $0 | $26.0M |
| Q1 2026 | 100.06% | 79.81% | $0 | $6.2M |
| Q2 2026 | 97.02% | 75.17% | $0 | $6.1M |
The Iuka State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Iuka 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 The Iuka State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11317) · FFIEC NIC profile (RSSD 233442)