Lincoln 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 Fed funds sold and reverse repos: 497.9% higher than in Q1 2026, at $24.8M. Lincoln Savings Bank ranks 125th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 80.27% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Lincoln Savings Bank sits 7.93 points lower, at 80.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $118.5M |
| Cash and noninterest-bearing balances to assets | 5.47% |
| Cash and securities | $415.1M |
| Fed funds sold and reverse repos | $24.8M |
| Fed funds sold and reverse repos to assets | 1.45% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $60.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.27% |
| Net loans and leases to deposits | 79.04% |
| Loans and leases to core deposits | 87.45% |
| Core deposits to total deposits | 86.72% |
| Brokered deposits to total deposits | 5.07% |
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 | 86.53% | 70.10% | $0 | $74.3M |
| Q4 2023 | 84.37% | 77.82% | $0 | $50.0M |
| Q1 2024 | 87.33% | 78.88% | $0 | $50.0M |
| Q2 2024 | 91.34% | 80.33% | $0 | $121.4M |
| Q3 2024 | 89.35% | 81.26% | $0 | $120.8M |
| Q4 2024 | 88.73% | 81.17% | $0 | $89.5M |
| Q1 2025 | 86.63% | 81.85% | $0 | $70.0M |
| Q2 2025 | 83.99% | 83.06% | $0 | $70.0M |
| Q3 2025 | 80.48% | 84.23% | $0 | $70.0M |
| Q4 2025 | 77.06% | 85.24% | $0 | $70.0M |
| Q1 2026 | 75.82% | 87.15% | $0 | $70.0M |
| Q2 2026 | 80.27% | 86.72% | $0 | $60.0M |
Lincoln Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lincoln 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 Lincoln Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14207) · FFIEC NIC profile (RSSD 589943)