Marion County State 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.
Loans and leases to core deposits dropped 3.75 percentage points in Q2 2026, from 97.93% to 94.19%. It was the largest change from Q1 2026 among the key lines here. Marion County State Bank ranks 78th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 89.40% (Q2 2026). Marion County State Bank reported 89.40% on loan-to-deposit ratio for Q2 2026, 8.57 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 | $14.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $119.0M |
| 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 | $16.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.40% |
| Net loans and leases to deposits | 88.70% |
| Loans and leases to core deposits | 94.19% |
| Core deposits to total deposits | 94.92% |
| 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 | 83.06% | 94.79% | $0 | $69.5M |
| Q4 2023 | 78.10% | 95.95% | $0 | $31.2M |
| Q1 2024 | 81.79% | 95.20% | $0 | $36.2M |
| Q2 2024 | 85.38% | 93.90% | $0 | $43.7M |
| Q3 2024 | 84.12% | 94.62% | $0 | $43.7M |
| Q4 2024 | 84.75% | 95.12% | $1.9M | $37.7M |
| Q1 2025 | 86.63% | 94.42% | $1.0M | $34.0M |
| Q2 2025 | 85.66% | 94.40% | $0 | $33.0M |
| Q3 2025 | 92.41% | 93.54% | $1.6M | $71.0M |
| Q4 2025 | 88.86% | 94.13% | $1.4M | $31.0M |
| Q1 2026 | 91.37% | 93.29% | $800K | $20.0M |
| Q2 2026 | 89.40% | 94.92% | $0 | $16.0M |
Marion County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion County State 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 Marion County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15272) · FFIEC NIC profile (RSSD 97943)