Security Federal 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.
The standout move of Q2 2026 was in Other borrowed money: 42.9% lower than in Q1 2026, at $10.0M. Within Indiana, Security Federal Savings Bank is 14th of 87 on loan-to-deposit ratio, 97.40% as of Q2 2026, above the middle of the field. Security Federal Savings Bank reported 97.40% on loan-to-deposit ratio for Q2 2026, 16.57 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.7M |
| 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 | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.40% |
| Net loans and leases to deposits | 96.50% |
| Loans and leases to core deposits | 109.65% |
| Core deposits to total deposits | 88.83% |
| 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 | 87.34% | 96.27% | $0 | $17.5M |
| Q4 2023 | 88.90% | 95.96% | $0 | $17.5M |
| Q1 2024 | 90.12% | 94.80% | $0 | $17.5M |
| Q2 2024 | 92.81% | 94.27% | $0 | $17.5M |
| Q3 2024 | 95.11% | 94.57% | $0 | $12.8M |
| Q4 2024 | 91.93% | 92.14% | $0 | $12.8M |
| Q1 2025 | 89.06% | 89.10% | $0 | $10.0M |
| Q2 2025 | 91.88% | 88.73% | $0 | $17.5M |
| Q3 2025 | 94.57% | 88.43% | $0 | $17.5M |
| Q4 2025 | 96.20% | 87.90% | $0 | $17.5M |
| Q1 2026 | 97.63% | 88.40% | $0 | $17.5M |
| Q2 2026 | 97.40% | 88.83% | $0 | $10.0M |
Security Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Federal 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 Security Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28894) · FFIEC NIC profile (RSSD 32971)