NSB 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 Other borrowed money: 60.0% lower than in Q1 2026, at $5.0M. Within Iowa, NSB Bank is 112th of 225 on loan-to-deposit ratio, 83.30% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. NSB Bank sits 2.46 points higher, at 83.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $106.9M |
| Fed funds sold and reverse repos | $18.6M |
| Fed funds sold and reverse repos to assets | 4.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $8.1M |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.30% |
| Net loans and leases to deposits | 82.36% |
| Loans and leases to core deposits | 86.65% |
| Core deposits to total deposits | 96.14% |
| 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 | 76.49% | 97.81% | $7.5M | $5.8M |
| Q4 2023 | 81.80% | 96.83% | $7.6M | $18.5M |
| Q1 2024 | 80.47% | 94.32% | $8.7M | $5.1M |
| Q2 2024 | 84.51% | 93.98% | $7.8M | $25.8M |
| Q3 2024 | 81.75% | 92.75% | $8.1M | $25.5M |
| Q4 2024 | 84.24% | 92.89% | $7.4M | $22.5M |
| Q1 2025 | 81.56% | 95.63% | $8.6M | $17.5M |
| Q2 2025 | 83.32% | 94.78% | $8.0M | $17.5M |
| Q3 2025 | 82.79% | 95.87% | $8.0M | $17.5M |
| Q4 2025 | 86.10% | 96.33% | $8.4M | $17.5M |
| Q1 2026 | 81.84% | 96.40% | $9.4M | $12.5M |
| Q2 2026 | 83.30% | 96.14% | $8.1M | $5.0M |
NSB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock NSB 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 NSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8094) · FFIEC NIC profile (RSSD 253646)