Security Trust & 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 Loans and leases to core deposits: 2.63 percentage points higher than in Q1 2026, at 35.92%. On loan-to-deposit ratio, Security Trust & Savings Bank is 6th from the bottom among 225 Iowa banks, 33.31% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Security Trust & Savings Bank reported 33.31% on loan-to-deposit ratio in Q2 2026, 47.53 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $89.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $183.3M |
| Fed funds sold and reverse repos | $6.3M |
| Fed funds sold and reverse repos to assets | 2.35% |
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 | 33.31% |
| Net loans and leases to deposits | 32.75% |
| Loans and leases to core deposits | 35.92% |
| Core deposits to total deposits | 92.74% |
| 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 | 30.98% | 95.56% | $0 | $0 |
| Q4 2023 | 34.94% | 95.04% | $0 | $0 |
| Q1 2024 | 30.90% | 95.12% | $0 | $0 |
| Q2 2024 | 31.50% | 94.51% | $0 | $0 |
| Q3 2024 | 29.07% | 94.67% | $0 | $0 |
| Q4 2024 | 32.30% | 94.06% | $0 | $0 |
| Q1 2025 | 30.62% | 94.09% | $0 | $0 |
| Q2 2025 | 31.73% | 93.07% | $0 | $0 |
| Q3 2025 | 29.56% | 93.23% | $0 | $0 |
| Q4 2025 | 33.14% | 93.16% | $0 | $0 |
| Q1 2026 | 30.98% | 93.08% | $0 | $0 |
| Q2 2026 | 33.31% | 92.74% | $0 | $0 |
Security Trust & 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 Trust & 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 Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 968) · FFIEC NIC profile (RSSD 363648)