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 Loans and leases to core deposits: 7.50 percentage points higher than in Q1 2026, at 90.77%. Premier Bank ranks 88th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 87.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Premier Bank sits 6.56 points higher, at 87.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.7M |
| Cash and noninterest-bearing balances to assets | 7.98% |
| Cash and securities | $82.8M |
| Fed funds sold and reverse repos | $102K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $12.9M |
| Other borrowed money | $6.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.11% |
| Net loans and leases to deposits | 86.33% |
| Loans and leases to core deposits | 90.77% |
| Core deposits to total deposits | 95.84% |
| Brokered deposits to total deposits | 0.13% |
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 | 86.71% | 84.81% | $19.3M | $22.4M |
| Q4 2023 | 87.97% | 84.42% | $19.9M | $22.4M |
| Q1 2024 | 80.59% | 88.74% | $22.7M | $8.9M |
| Q2 2024 | 89.35% | 87.30% | $40.3M | $8.9M |
| Q3 2024 | 87.58% | 89.74% | $37.5M | $8.9M |
| Q4 2024 | 85.82% | 93.10% | $27.6M | $8.2M |
| Q1 2025 | 83.90% | 95.57% | $15.9M | $6.7M |
| Q2 2025 | 86.62% | 95.52% | $15.7M | $5.8M |
| Q3 2025 | 87.38% | 95.27% | $14.8M | $7.3M |
| Q4 2025 | 82.41% | 95.43% | $14.3M | $6.3M |
| Q1 2026 | 79.95% | 95.86% | $13.9M | $6.3M |
| Q2 2026 | 87.11% | 95.84% | $12.9M | $6.3M |
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 34849) · FFIEC NIC profile (RSSD 2687133)