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.
Other borrowed money climbed 111.1% in Q2 2026, from $9.0M to $19.0M. It was the largest change from Q1 2026 among the key lines here. Savings Bank ranks 47th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 95.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Savings Bank sits 14.27 points higher, at 95.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.6M |
| Cash and noninterest-bearing balances to assets | 1.49% |
| Cash and securities | $69.7M |
| 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 | $4.2M |
| Other borrowed money | $19.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.11% |
| Net loans and leases to deposits | 93.78% |
| Loans and leases to core deposits | 111.24% |
| Core deposits to total deposits | 85.50% |
| 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 | 85.62% | 89.75% | $3.7M | $13.0M |
| Q4 2023 | 88.26% | 89.90% | $1.6M | $20.0M |
| Q1 2024 | 86.99% | 88.37% | $0 | $17.0M |
| Q2 2024 | 88.02% | 89.06% | $3.1M | $12.0M |
| Q3 2024 | 86.65% | 88.46% | $2.7M | $9.0M |
| Q4 2024 | 84.73% | 88.12% | $2.6M | $0 |
| Q1 2025 | 89.94% | 87.11% | $3.6M | $10.0M |
| Q2 2025 | 90.56% | 85.20% | $2.4M | $11.0M |
| Q3 2025 | 90.45% | 83.35% | $3.6M | $8.0M |
| Q4 2025 | 88.20% | 84.19% | $214K | $3.0M |
| Q1 2026 | 91.33% | 85.30% | $3.9M | $9.0M |
| Q2 2026 | 95.11% | 85.50% | $4.2M | $19.0M |
Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13735) · FFIEC NIC profile (RSSD 588348)