Liberty National 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.
Cash and balances due from depository institutions climbed 338.8% in Q2 2026, from $5.5M to $24.2M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Liberty National Bank is 25th of 225 on loan-to-deposit ratio, 102.51% as of Q2 2026, above the middle of the field. Liberty National Bank reported 102.51% on loan-to-deposit ratio for Q2 2026, 21.68 points above 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 | $24.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.7M |
| 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 | $0 |
| Other borrowed money | $60.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.51% |
| Net loans and leases to deposits | 101.49% |
| Loans and leases to core deposits | 118.95% |
| Core deposits to total deposits | 86.19% |
| 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 | 91.91% | 92.75% | $0 | $34.5M |
| Q4 2023 | 85.06% | 93.35% | $0 | $30.0M |
| Q1 2024 | 97.70% | 93.16% | $0 | $45.0M |
| Q2 2024 | 97.05% | 91.95% | $0 | $43.0M |
| Q3 2024 | 102.84% | 90.34% | $0 | $65.0M |
| Q4 2024 | 92.41% | 92.37% | $2.2M | $48.0M |
| Q1 2025 | 99.64% | 91.57% | $0 | $43.5M |
| Q2 2025 | 102.65% | 91.90% | $0 | $65.0M |
| Q3 2025 | 108.32% | 88.17% | $588K | $75.0M |
| Q4 2025 | 107.51% | 88.91% | $0 | $69.5M |
| Q1 2026 | 105.06% | 88.23% | $0 | $55.0M |
| Q2 2026 | 102.51% | 86.19% | $0 | $60.4M |
Liberty National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty National 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 Liberty National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57505) · FFIEC NIC profile (RSSD 3140822)