Keystone 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 11.15 percentage points higher than in Q1 2026, at 85.01%. Within Iowa, Keystone Savings Bank is 147th of 225 on loan-to-deposit ratio, 74.65% 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. Keystone Savings Bank sits 6.19 points lower, at 74.65% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.7M |
| Fed funds sold and reverse repos | $458K |
| Fed funds sold and reverse repos to assets | 0.23% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.65% |
| Net loans and leases to deposits | 73.72% |
| Loans and leases to core deposits | 85.01% |
| Core deposits to total deposits | 87.81% |
| 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 | 64.86% | 89.49% | $0 | $549K |
| Q4 2023 | 71.96% | 88.78% | $0 | $528K |
| Q1 2024 | 69.71% | 92.66% | $0 | $10.5M |
| Q2 2024 | 75.67% | 91.65% | $0 | $10.5M |
| Q3 2024 | 69.76% | 92.42% | $0 | $10.5M |
| Q4 2024 | 74.71% | 91.44% | $0 | $10.4M |
| Q1 2025 | 64.26% | 85.63% | $0 | $10.4M |
| Q2 2025 | 71.20% | 83.18% | $0 | $10.4M |
| Q3 2025 | 66.27% | 84.22% | $0 | $10.4M |
| Q4 2025 | 72.70% | 87.90% | $0 | $10.4M |
| Q1 2026 | 67.93% | 91.97% | $0 | $10.3M |
| Q2 2026 | 74.65% | 87.81% | $0 | $10.3M |
Keystone Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Keystone 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 Keystone Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17993) · FFIEC NIC profile (RSSD 931944)