Pilot Grove 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 Loans and leases to core deposits: 1.13 percentage points lower than in Q1 2026, at 90.75%. Pilot Grove Savings Bank ranks 108th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 83.81% (Q2 2026). Pilot Grove Savings Bank reported 83.81% on loan-to-deposit ratio for Q2 2026, 4.39 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $274.6M |
| 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 | $12.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.81% |
| Net loans and leases to deposits | 82.98% |
| Loans and leases to core deposits | 90.75% |
| Core deposits to total deposits | 92.35% |
| 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 | 87.48% | 95.08% | $0 | $2.0M |
| Q4 2023 | 88.98% | 94.73% | $0 | $2.0M |
| Q1 2024 | 90.41% | 94.32% | $0 | $13.0M |
| Q2 2024 | 92.02% | 94.26% | $0 | $12.0M |
| Q3 2024 | 84.47% | 94.09% | $0 | $2.5M |
| Q4 2024 | 85.52% | 93.43% | $650K | $2.5M |
| Q1 2025 | 84.77% | 93.32% | $0 | $13.0M |
| Q2 2025 | 85.52% | 92.73% | $0 | $12.0M |
| Q3 2025 | 85.93% | 92.16% | $0 | $12.0M |
| Q4 2025 | 85.41% | 91.95% | $0 | $12.0M |
| Q1 2026 | 84.25% | 91.70% | $0 | $12.0M |
| Q2 2026 | 83.81% | 92.35% | $0 | $12.0M |
Pilot Grove Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pilot Grove 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 Pilot Grove Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9100) · FFIEC NIC profile (RSSD 585749)