Montezuma 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 climbed 2.83 percentage points in Q2 2026, from 51.42% to 54.25%. It was the largest change from Q1 2026 among the key lines here. Montezuma State Bank has the 17th lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 49.91% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Montezuma State Bank sits 17.72 points lower, at 49.91% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.8M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.91% |
| Net loans and leases to deposits | 48.82% |
| Loans and leases to core deposits | 54.25% |
| Core deposits to total deposits | 92.00% |
| 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 | 46.44% | 89.60% | $0 | $0 |
| Q4 2023 | 51.62% | 88.92% | $0 | $0 |
| Q1 2024 | 44.36% | 89.13% | $0 | $0 |
| Q2 2024 | 47.34% | 88.04% | $0 | $0 |
| Q3 2024 | 46.75% | 90.37% | $0 | $0 |
| Q4 2024 | 52.42% | 89.81% | $0 | $0 |
| Q1 2025 | 49.87% | 89.74% | $0 | $0 |
| Q2 2025 | 47.90% | 89.22% | $0 | $0 |
| Q3 2025 | 49.54% | 92.17% | $0 | $0 |
| Q4 2025 | 52.60% | 91.96% | $0 | $0 |
| Q1 2026 | 47.47% | 92.32% | $0 | $0 |
| Q2 2026 | 49.91% | 92.00% | $0 | $0 |
Montezuma State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Montezuma 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 Montezuma State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1860) · FFIEC NIC profile (RSSD 700140)