Pocahontas State 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. Within Iowa, Pocahontas State Bank is 202nd of 225 on loan-to-deposit ratio, 53.83% as of Q2 2026, below the middle of the field. Pocahontas State Bank reported 53.83% on loan-to-deposit ratio for Q2 2026, 27.01 points below the 80.84% median for banks in the $100M-1B asset tier.
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 | $74.5M |
| 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 | $2.7M |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.63% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.83% |
| Net loans and leases to deposits | 52.66% |
| Loans and leases to core deposits | 62.85% |
| Core deposits to total deposits | 85.64% |
| 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 | 40.07% | 92.05% | $0 | $0 |
| Q4 2023 | 43.26% | 89.76% | $700K | $1.1M |
| Q1 2024 | 40.85% | 89.46% | $0 | $0 |
| Q2 2024 | 44.05% | 89.99% | $600K | $0 |
| Q3 2024 | 40.46% | 90.87% | $0 | $0 |
| Q4 2024 | 42.84% | 83.11% | $0 | $0 |
| Q1 2025 | 39.58% | 86.32% | $0 | $0 |
| Q2 2025 | 44.64% | 85.65% | $160K | $0 |
| Q3 2025 | 42.35% | 87.58% | $0 | $0 |
| Q4 2025 | 47.84% | 86.32% | $535K | $1.5M |
| Q1 2026 | 46.27% | 86.15% | $0 | $0 |
| Q2 2026 | 53.83% | 85.64% | $2.7M | $2.0M |
Pocahontas State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pocahontas State 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 Pocahontas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 234) · FFIEC NIC profile (RSSD 402846)