Ohnward Bank & Trust: 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 purchased and repos: 52.5% lower than in Q1 2026, at $3.7M. Ohnward Bank & Trust ranks 55th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 93.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Ohnward Bank & Trust sits 13.12 points higher, at 93.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $87.9M |
| 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 | $3.7M |
| Other borrowed money | $12.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.96% |
| Net loans and leases to deposits | 92.92% |
| Loans and leases to core deposits | 110.09% |
| Core deposits to total deposits | 85.29% |
| Brokered deposits to total deposits | 0.06% |
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 | 95.28% | 93.39% | $14.8M | $18.3M |
| Q4 2023 | 95.23% | 94.10% | $5.5M | $25.6M |
| Q1 2024 | 91.20% | 92.05% | $1.6M | $18.3M |
| Q2 2024 | 95.18% | 92.63% | $12.2M | $16.2M |
| Q3 2024 | 88.95% | 91.54% | $7.7M | $15.7M |
| Q4 2024 | 91.74% | 91.57% | $2.5M | $13.7M |
| Q1 2025 | 88.81% | 89.20% | $1.5M | $12.7M |
| Q2 2025 | 92.09% | 88.99% | $7.1M | $12.7M |
| Q3 2025 | 89.15% | 89.46% | $3.7M | $12.1M |
| Q4 2025 | 91.10% | 87.67% | $3.0M | $11.0M |
| Q1 2026 | 93.14% | 87.47% | $7.8M | $8.0M |
| Q2 2026 | 93.96% | 85.29% | $3.7M | $12.1M |
Ohnward Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ohnward Bank & Trust, 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 Ohnward Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10111) · FFIEC NIC profile (RSSD 761543)