Rolling Hills Bank & Trust: 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 23.9% in Q2 2026, from $28.6M to $21.8M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Rolling Hills Bank & Trust is 62nd of 225 on loan-to-deposit ratio, 91.93% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Rolling Hills Bank & Trust sits 11.38 points higher, at 91.93% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $80.9M |
| Fed funds sold and reverse repos | $4.1M |
| Fed funds sold and reverse repos to assets | 0.84% |
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 | 91.93% |
| Net loans and leases to deposits | 90.91% |
| Loans and leases to core deposits | 104.19% |
| Core deposits to total deposits | 87.03% |
| Brokered deposits to total deposits | 1.21% |
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 | 92.46% | 90.45% | $0 | $32.0M |
| Q4 2023 | 91.70% | 90.13% | $0 | $25.0M |
| Q1 2024 | 92.15% | 89.40% | $0 | $18.5M |
| Q2 2024 | 92.14% | 87.96% | $0 | $3.5M |
| Q3 2024 | 94.52% | 87.31% | $0 | $0 |
| Q4 2024 | 89.94% | 86.94% | $0 | $0 |
| Q1 2025 | 88.04% | 86.87% | $0 | $0 |
| Q2 2025 | 92.73% | 88.56% | $0 | $10.0M |
| Q3 2025 | 96.48% | 87.49% | $0 | $10.0M |
| Q4 2025 | 89.84% | 88.25% | $0 | $0 |
| Q1 2026 | 90.39% | 85.37% | $0 | $0 |
| Q2 2026 | 91.93% | 87.03% | $0 | $0 |
Rolling Hills Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rolling Hills Bank & Trust, 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 Rolling Hills Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15334) · FFIEC NIC profile (RSSD 882242)