Manufacturers Bank & Trust Company: 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.
Fed funds sold and reverse repos climbed 185.4% in Q2 2026, from $7.1M to $20.2M. It was the largest change from Q1 2026 among the key lines here. Manufacturers Bank & Trust Company ranks 123rd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 80.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Manufacturers Bank & Trust Company reported 80.57% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $186.4M |
| Fed funds sold and reverse repos | $20.2M |
| Fed funds sold and reverse repos to assets | 2.74% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $11.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.57% |
| Net loans and leases to deposits | 79.34% |
| Loans and leases to core deposits | 87.67% |
| Core deposits to total deposits | 88.93% |
| Brokered deposits to total deposits | 2.98% |
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 | 83.97% | 89.96% | $37.7M | $34.9M |
| Q4 2023 | 87.48% | 88.56% | $33.7M | $54.9M |
| Q1 2024 | 85.51% | 84.58% | $5.2M | $57.9M |
| Q2 2024 | 80.12% | 86.52% | $6.2M | $31.0M |
| Q3 2024 | 85.60% | 84.88% | $18.0M | $31.0M |
| Q4 2024 | 83.84% | 83.89% | $14.8M | $18.5M |
| Q1 2025 | 82.11% | 85.55% | $2.1M | $15.7M |
| Q2 2025 | 81.77% | 88.76% | $1.9M | $18.2M |
| Q3 2025 | 82.47% | 88.16% | $1.2M | $33.2M |
| Q4 2025 | 82.01% | 87.78% | $0 | $13.2M |
| Q1 2026 | 81.43% | 88.65% | $0 | $14.2M |
| Q2 2026 | 80.57% | 88.93% | $0 | $11.8M |
Manufacturers Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Manufacturers Bank & Trust Company, 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 Manufacturers Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16307) · FFIEC NIC profile (RSSD 215345)