New Albin 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $0. On loan-to-deposit ratio, New Albin Savings Bank is 9th from the bottom among 225 Iowa banks, 39.94% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, New Albin Savings Bank reported 39.94% on loan-to-deposit ratio in Q2 2026, 40.89 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $228.0M |
| 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 | $1.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.94% |
| Net loans and leases to deposits | 39.59% |
| Loans and leases to core deposits | 46.19% |
| Core deposits to total deposits | 86.47% |
| 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 | 44.29% | 90.22% | $0 | $9.6M |
| Q4 2023 | 43.45% | 88.36% | $0 | $6.0M |
| Q1 2024 | 42.57% | 88.59% | $0 | $6.0M |
| Q2 2024 | 43.54% | 87.70% | $0 | $6.2M |
| Q3 2024 | 42.59% | 87.13% | $0 | $4.2M |
| Q4 2024 | 41.68% | 87.57% | $0 | $4.0M |
| Q1 2025 | 40.02% | 87.82% | $0 | $2.0M |
| Q2 2025 | 40.18% | 87.29% | $0 | $5.0M |
| Q3 2025 | 40.36% | 87.60% | $100K | $2.0M |
| Q4 2025 | 40.01% | 87.30% | $800K | $1.0M |
| Q1 2026 | 39.81% | 87.03% | $0 | $0 |
| Q2 2026 | 39.94% | 86.47% | $0 | $1.1M |
New Albin Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock New Albin 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 New Albin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8506) · FFIEC NIC profile (RSSD 234841)