Luana 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.
Cash and balances due from depository institutions climbed 149.9% in Q2 2026, from $38.0M to $95.0M. It was the largest change from Q1 2026 among the key lines here. Luana Savings Bank ranks 50th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 94.70% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Luana Savings Bank sits 6.49 points higher, at 94.70% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $95.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $435.3M |
| Fed funds sold and reverse repos | $28.6M |
| Fed funds sold and reverse repos to assets | 1.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $146.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.70% |
| Net loans and leases to deposits | 93.77% |
| Loans and leases to core deposits | 104.55% |
| Core deposits to total deposits | 63.02% |
| Brokered deposits to total deposits | 31.51% |
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 | 89.77% | 45.00% | $22.2M | $50.0M |
| Q4 2023 | 88.13% | 48.28% | $0 | $50.0M |
| Q1 2024 | 89.55% | 50.74% | $0 | $50.0M |
| Q2 2024 | 93.02% | 52.30% | $0 | $70.0M |
| Q3 2024 | 94.19% | 54.28% | $0 | $105.0M |
| Q4 2024 | 92.50% | 57.86% | $0 | $93.0M |
| Q1 2025 | 91.77% | 59.00% | $0 | $63.8M |
| Q2 2025 | 96.82% | 63.77% | $0 | $129.0M |
| Q3 2025 | 96.22% | 62.72% | $0 | $131.5M |
| Q4 2025 | 96.98% | 61.98% | $0 | $136.5M |
| Q1 2026 | 95.06% | 61.95% | $0 | $81.5M |
| Q2 2026 | 94.70% | 63.02% | $0 | $146.5M |
Luana Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Luana 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 Luana Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 253) · FFIEC NIC profile (RSSD 674849)