Sanborn Savings 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.
Fed funds sold and reverse repos dropped 56.4% in Q2 2026, from $2.4M to $1.0M. It was the largest change from Q1 2026 among the key lines here. Sanborn Savings Bank ranks 31st of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 101.14% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Sanborn Savings Bank sits 33.52 points higher, at 101.14% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.1M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 1.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $16.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.14% |
| Net loans and leases to deposits | 99.88% |
| Loans and leases to core deposits | 109.25% |
| Core deposits to total deposits | 92.58% |
| 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 | 87.32% | 93.28% | $0 | $12.9M |
| Q4 2023 | 89.44% | 92.69% | $0 | $13.4M |
| Q1 2024 | 86.27% | 91.59% | $0 | $11.5M |
| Q2 2024 | 93.20% | 91.16% | $0 | $12.6M |
| Q3 2024 | 88.44% | 91.72% | $0 | $7.8M |
| Q4 2024 | 90.16% | 92.68% | $0 | $8.5M |
| Q1 2025 | 92.32% | 90.26% | $0 | $9.3M |
| Q2 2025 | 95.88% | 87.46% | $0 | $12.2M |
| Q3 2025 | 99.41% | 88.95% | $0 | $14.9M |
| Q4 2025 | 95.47% | 88.36% | $0 | $12.4M |
| Q1 2026 | 97.18% | 92.06% | $0 | $15.0M |
| Q2 2026 | 101.14% | 92.58% | $0 | $16.6M |
Sanborn Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sanborn Savings 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 Sanborn Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11352) · FFIEC NIC profile (RSSD 595944)