Midwest Heritage Bank, FSB: 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 16.80 percentage points in Q2 2026, from 105.79% to 88.98%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Midwest Heritage Bank, FSB is 121st of 225 on loan-to-deposit ratio, 81.57% as of Q2 2026, below the middle of the field. At 81.57%, Midwest Heritage Bank, FSB's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $65.1M |
| Cash and noninterest-bearing balances to assets | 8.08% |
| Cash and securities | $195.7M |
| Fed funds sold and reverse repos | $8.0M |
| Fed funds sold and reverse repos to assets | 1.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.1M |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.57% |
| Net loans and leases to deposits | 80.34% |
| Loans and leases to core deposits | 88.98% |
| Core deposits to total deposits | 91.67% |
| 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 | 105.86% | 93.65% | $0 | $62.0M |
| Q4 2023 | 110.17% | 92.96% | $0 | $61.4M |
| Q1 2024 | 93.31% | 93.30% | $0 | $38.0M |
| Q2 2024 | 98.42% | 91.95% | $0 | $38.0M |
| Q3 2024 | 104.56% | 91.28% | $0 | $51.2M |
| Q4 2024 | 106.47% | 90.05% | $0 | $79.7M |
| Q1 2025 | 96.11% | 92.25% | $0 | $38.0M |
| Q2 2025 | 102.99% | 90.97% | $0 | $58.3M |
| Q3 2025 | 113.29% | 92.06% | $0 | $59.1M |
| Q4 2025 | 110.52% | 90.67% | $0 | $56.3M |
| Q1 2026 | 96.19% | 90.93% | $0 | $10.0M |
| Q2 2026 | 81.57% | 91.67% | $5.1M | $10.0M |
Midwest Heritage Bank, FSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Heritage Bank, FSB, 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 Midwest Heritage Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4432) · FFIEC NIC profile (RSSD 203043)