Shelby County 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 23.0% lower than in Q1 2026, at $34.0M. Shelby County State Bank ranks 142nd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 75.84% (Q2 2026). Shelby County State Bank reported 75.84% on loan-to-deposit ratio for Q2 2026, 5.00 points below 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 | $34.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $139.2M |
| 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 | $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 | 75.84% |
| Net loans and leases to deposits | 74.87% |
| Loans and leases to core deposits | 79.56% |
| Core deposits to total deposits | 95.33% |
| 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 | 70.70% | 94.09% | $0 | $2.0M |
| Q4 2023 | 75.01% | 93.27% | $0 | $25.5M |
| Q1 2024 | 72.61% | 93.08% | $0 | $0 |
| Q2 2024 | 72.40% | 92.50% | $0 | $0 |
| Q3 2024 | 70.17% | 93.63% | $0 | $0 |
| Q4 2024 | 75.80% | 94.75% | $0 | $10.0M |
| Q1 2025 | 75.62% | 95.27% | $0 | $0 |
| Q2 2025 | 80.86% | 94.56% | $0 | $10.7M |
| Q3 2025 | 77.54% | 94.28% | $0 | $0 |
| Q4 2025 | 79.44% | 94.86% | $0 | $0 |
| Q1 2026 | 74.69% | 95.40% | $0 | $0 |
| Q2 2026 | 75.84% | 95.33% | $0 | $0 |
Shelby County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Shelby County 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 Shelby County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1553) · FFIEC NIC profile (RSSD 536349)