Liberty Trust & 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 Cash and balances due from depository institutions: 38.3% higher than in Q1 2026, at $26.4M. Within Iowa, Liberty Trust & Savings Bank is 159th of 225 on loan-to-deposit ratio, 71.41% as of Q2 2026, below the middle of the field. Liberty Trust & Savings Bank reported 71.41% on loan-to-deposit ratio for Q2 2026, 9.43 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 | $26.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.0M |
| Fed funds sold and reverse repos | $8.2M |
| Fed funds sold and reverse repos to assets | 4.40% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 71.41% |
| Net loans and leases to deposits | 70.46% |
| Loans and leases to core deposits | 71.98% |
| Core deposits to total deposits | 99.21% |
| 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 | 68.38% | 99.73% | $0 | $0 |
| Q4 2023 | 69.58% | 99.74% | $0 | $0 |
| Q1 2024 | 75.45% | 99.73% | $0 | $0 |
| Q2 2024 | 69.53% | 99.75% | $0 | $0 |
| Q3 2024 | 71.73% | 99.75% | $0 | $0 |
| Q4 2024 | 73.22% | 99.82% | $0 | $0 |
| Q1 2025 | 76.44% | 99.65% | $0 | $0 |
| Q2 2025 | 74.10% | 99.64% | $0 | $0 |
| Q3 2025 | 77.22% | 99.21% | $0 | $0 |
| Q4 2025 | 74.39% | 99.02% | $0 | $0 |
| Q1 2026 | 74.64% | 99.02% | $0 | $0 |
| Q2 2026 | 71.41% | 99.21% | $0 | $0 |
Liberty Trust & Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Trust & 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 Liberty Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10121) · FFIEC NIC profile (RSSD 644646)