Kerndt Brothers 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.
Net loans and leases to deposits dropped 4.02 percentage points in Q2 2026, from 75.51% to 71.50%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Kerndt Brothers Savings Bank is 153rd of 225 on loan-to-deposit ratio, 72.50% as of Q2 2026, below the middle of the field. Kerndt Brothers Savings Bank reported 72.50% on loan-to-deposit ratio for Q2 2026, 8.33 points below 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 | $23.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.9M |
| Fed funds sold and reverse repos | $5.6M |
| Fed funds sold and reverse repos to assets | 1.62% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $24.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.50% |
| Net loans and leases to deposits | 71.50% |
| Loans and leases to core deposits | 78.75% |
| Core deposits to total deposits | 92.07% |
| 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 | 84.26% | 88.28% | $0 | $56.0M |
| Q4 2023 | 86.27% | 87.99% | $0 | $47.5M |
| Q1 2024 | 85.81% | 88.12% | $0 | $53.1M |
| Q2 2024 | 88.85% | 89.58% | $0 | $41.1M |
| Q3 2024 | 88.28% | 92.32% | $0 | $45.1M |
| Q4 2024 | 89.03% | 93.21% | $0 | $44.9M |
| Q1 2025 | 86.36% | 94.92% | $0 | $31.8M |
| Q2 2025 | 84.69% | 94.55% | $0 | $28.2M |
| Q3 2025 | 82.45% | 94.32% | $0 | $24.5M |
| Q4 2025 | 83.21% | 94.13% | $0 | $24.2M |
| Q1 2026 | 76.49% | 92.71% | $0 | $24.8M |
| Q2 2026 | 72.50% | 92.07% | $0 | $24.8M |
Kerndt Brothers Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kerndt Brothers 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 Kerndt Brothers Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8761) · FFIEC NIC profile (RSSD 665146)