Principal 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.
Cash and balances due from depository institutions dropped 21.4% in Q2 2026, from $434.4M to $341.7M. It was the largest change from Q1 2026 among the key lines here. Principal Bank has the 5th lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 32.32% as of Q2 2026. Against a median of 88.20% for banks in the $1B-10B asset tier, Principal Bank reported 32.32% on loan-to-deposit ratio in Q2 2026, 55.88 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $341.7M |
| Cash and noninterest-bearing balances to assets | 3.47% |
| Cash and securities | $6.55B |
| 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 | $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 | 32.32% |
| Net loans and leases to deposits | 32.24% |
| Loans and leases to core deposits | 32.68% |
| Core deposits to total deposits | 98.89% |
| Brokered deposits to total deposits | 0.01% |
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 | 31.67% | 98.97% | $0 | $0 |
| Q4 2023 | 30.68% | 98.93% | $0 | $0 |
| Q1 2024 | 29.82% | 98.90% | $0 | $0 |
| Q2 2024 | 28.37% | 98.77% | $0 | $0 |
| Q3 2024 | 28.58% | 98.69% | $0 | $0 |
| Q4 2024 | 28.89% | 98.68% | $0 | $0 |
| Q1 2025 | 31.62% | 98.62% | $0 | $0 |
| Q2 2025 | 31.47% | 98.62% | $0 | $0 |
| Q3 2025 | 31.09% | 98.60% | $0 | $0 |
| Q4 2025 | 32.49% | 98.69% | $0 | $0 |
| Q1 2026 | 31.76% | 98.81% | $0 | $0 |
| Q2 2026 | 32.32% | 98.89% | $0 | $0 |
Principal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Principal 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 Principal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34507) · FFIEC NIC profile (RSSD 2654911)