Security State 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.
Loans and leases to core deposits climbed 2.53 percentage points in Q2 2026, from 136.79% to 139.32%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Security State Bank ranks 2nd highest among the 225 banks headquartered in Iowa, at 133.56% (Q2 2026). Security State Bank's loan-to-deposit ratio of 133.56% is well above the 80.55% median for banks in the $100M-1B asset tier, a gap of 53.00 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.7M |
| Fed funds sold and reverse repos | $22.4M |
| Fed funds sold and reverse repos to assets | 4.56% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $99.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 20.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 133.56% |
| Net loans and leases to deposits | 132.01% |
| Loans and leases to core deposits | 139.32% |
| Core deposits to total deposits | 86.32% |
| Brokered deposits to total deposits | 9.85% |
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 | 117.05% | 96.66% | $0 | $38.0M |
| Q4 2023 | 113.58% | 96.35% | $0 | $44.0M |
| Q1 2024 | 117.80% | 96.29% | $0 | $52.0M |
| Q2 2024 | 126.31% | 97.29% | $0 | $70.0M |
| Q3 2024 | 135.23% | 97.26% | $0 | $91.0M |
| Q4 2024 | 130.61% | 93.35% | $0 | $86.0M |
| Q1 2025 | 133.58% | 90.19% | $0 | $99.0M |
| Q2 2025 | 137.45% | 88.18% | $0 | $101.0M |
| Q3 2025 | 137.86% | 87.62% | $0 | $104.0M |
| Q4 2025 | 132.28% | 86.62% | $0 | $97.0M |
| Q1 2026 | 131.75% | 85.34% | $0 | $94.0M |
| Q2 2026 | 133.56% | 86.32% | $0 | $99.0M |
Security State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 235) · FFIEC NIC profile (RSSD 425845)