Security 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 45.0% in Q2 2026, from $8.8M to $4.8M. It was the largest change from Q1 2026 among the key lines here. Security Savings Bank ranks 72nd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 90.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Security Savings Bank sits 9.91 points higher, at 90.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.4M |
| Fed funds sold and reverse repos | $4.8M |
| Fed funds sold and reverse repos to assets | 2.49% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.0M |
| Other borrowed money | $250K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.75% |
| Net loans and leases to deposits | 89.34% |
| Loans and leases to core deposits | 98.10% |
| Core deposits to total deposits | 92.51% |
| 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 | 74.80% | 94.21% | $2.0M | $10.8M |
| Q4 2023 | 75.71% | 93.13% | $1.2M | $8.8M |
| Q1 2024 | 77.46% | 93.68% | $1.0M | $6.8M |
| Q2 2024 | 77.21% | 94.06% | $1.0M | $750K |
| Q3 2024 | 84.15% | 93.03% | $3.2M | $7.5M |
| Q4 2024 | 80.52% | 93.57% | $2.2M | $500K |
| Q1 2025 | 78.48% | 93.26% | $1.0M | $500K |
| Q2 2025 | 79.67% | 93.18% | $1.0M | $500K |
| Q3 2025 | 88.69% | 92.33% | $3.4M | $250K |
| Q4 2025 | 83.91% | 92.57% | $2.0M | $250K |
| Q1 2026 | 87.70% | 93.07% | $2.0M | $250K |
| Q2 2026 | 90.75% | 92.51% | $2.0M | $250K |
Security 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 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14208) · FFIEC NIC profile (RSSD 616540)