Palo 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.
Loan-to-deposit ratio climbed 1.22 percentage points in Q2 2026, from 46.92% to 48.14%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Palo Savings Bank is 14th from the bottom among 225 Iowa banks, 48.14% (Q2 2026). Palo Savings Bank reported 48.14% on loan-to-deposit ratio for Q2 2026, 19.48 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.7M |
| Fed funds sold and reverse repos | $250K |
| Fed funds sold and reverse repos to assets | 0.51% |
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 | 48.14% |
| Net loans and leases to deposits | 47.65% |
| Loans and leases to core deposits | 51.00% |
| Core deposits to total deposits | 94.40% |
| 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 | 52.09% | 91.47% | $0 | $0 |
| Q4 2023 | 53.20% | 92.23% | $0 | $0 |
| Q1 2024 | 51.59% | 91.62% | $0 | $0 |
| Q2 2024 | 49.42% | 92.46% | $0 | $0 |
| Q3 2024 | 50.72% | 93.23% | $0 | $0 |
| Q4 2024 | 50.78% | 92.56% | $0 | $0 |
| Q1 2025 | 48.14% | 92.90% | $0 | $0 |
| Q2 2025 | 48.62% | 93.20% | $0 | $0 |
| Q3 2025 | 50.76% | 92.85% | $0 | $0 |
| Q4 2025 | 52.42% | 92.71% | $0 | $0 |
| Q1 2026 | 46.92% | 93.98% | $0 | $0 |
| Q2 2026 | 48.14% | 94.40% | $0 | $0 |
Palo Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Palo 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 Palo Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13990) · FFIEC NIC profile (RSSD 90047)