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.
Fed funds sold and reverse repos climbed 401.6% in Q2 2026, from $1.1M to $5.5M. It was the largest change from Q1 2026 among the key lines here. Security State Bank has the 18th lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 49.93% as of Q2 2026. Security State Bank reported 49.93% on loan-to-deposit ratio for Q2 2026, 30.62 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $63.3M |
| Fed funds sold and reverse repos | $5.5M |
| Fed funds sold and reverse repos to assets | 4.61% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.93% |
| Net loans and leases to deposits | 49.40% |
| Loans and leases to core deposits | 54.13% |
| Core deposits to total deposits | 92.25% |
| 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 | 49.30% | 95.21% | $2.8M | $6.5M |
| Q4 2023 | 52.79% | 95.45% | $8.0M | $2.0M |
| Q1 2024 | 45.33% | 96.03% | $0 | $0 |
| Q2 2024 | 45.63% | 92.70% | $0 | $0 |
| Q3 2024 | 47.57% | 91.12% | $0 | $0 |
| Q4 2024 | 51.86% | 90.67% | $0 | $0 |
| Q1 2025 | 42.43% | 91.43% | $0 | $0 |
| Q2 2025 | 46.74% | 91.75% | $0 | $0 |
| Q3 2025 | 53.24% | 91.11% | $0 | $0 |
| Q4 2025 | 56.24% | 89.71% | $0 | $0 |
| Q1 2026 | 50.39% | 92.68% | $0 | $0 |
| Q2 2026 | 49.93% | 92.25% | $0 | $0 |
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 18448) · FFIEC NIC profile (RSSD 527749)