Premier 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 Core deposits to total deposits: 6.36 percentage points lower than in Q1 2026, at 77.41%. Among 225 Iowa banks, Premier Bank sits 13th from the top on loan-to-deposit ratio, 106.36% as of Q2 2026. Premier Bank reported 106.36% on loan-to-deposit ratio for Q2 2026, 25.81 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $86.8M |
| Fed funds sold and reverse repos | $7.2M |
| Fed funds sold and reverse repos to assets | 0.88% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $63.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.62% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.36% |
| Net loans and leases to deposits | 105.11% |
| Loans and leases to core deposits | 117.87% |
| Core deposits to total deposits | 77.41% |
| Brokered deposits to total deposits | 12.83% |
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 | 102.26% | 87.79% | $0 | $2.0M |
| Q4 2023 | 105.34% | 87.67% | $0 | $20.0M |
| Q1 2024 | 105.85% | 86.35% | $0 | $32.9M |
| Q2 2024 | 107.11% | 84.16% | $0 | $51.2M |
| Q3 2024 | 101.55% | 85.75% | $0 | $51.0M |
| Q4 2024 | 105.88% | 87.29% | $4.0M | $45.0M |
| Q1 2025 | 104.45% | 84.36% | $0 | $49.0M |
| Q2 2025 | 107.17% | 83.58% | $0 | $52.0M |
| Q3 2025 | 104.93% | 81.76% | $0 | $53.0M |
| Q4 2025 | 106.53% | 82.46% | $0 | $54.0M |
| Q1 2026 | 105.40% | 83.76% | $0 | $58.0M |
| Q2 2026 | 106.36% | 77.41% | $0 | $63.0M |
Premier Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier 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 Premier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34384) · FFIEC NIC profile (RSSD 2539960)