Sibley 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: 52.0% lower than in Q1 2026, at $5.3M. Within Iowa, Sibley State Bank is 152nd of 225 on loan-to-deposit ratio, 72.95% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Sibley State Bank sits 7.89 points lower, at 72.95% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.7M |
| 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 | $1.8M |
| 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 | 72.95% |
| Net loans and leases to deposits | 72.08% |
| Loans and leases to core deposits | 78.51% |
| Core deposits to total deposits | 92.92% |
| 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 | 71.38% | 92.32% | $1.2M | $0 |
| Q4 2023 | 74.37% | 91.09% | $1.8M | $0 |
| Q1 2024 | 73.34% | 91.31% | $2.4M | $0 |
| Q2 2024 | 70.79% | 92.04% | $2.5M | $0 |
| Q3 2024 | 74.12% | 91.81% | $3.5M | $0 |
| Q4 2024 | 75.99% | 91.05% | $4.3M | $0 |
| Q1 2025 | 76.01% | 91.45% | $3.6M | $0 |
| Q2 2025 | 75.05% | 92.94% | $3.2M | $0 |
| Q3 2025 | 74.99% | 92.96% | $3.4M | $0 |
| Q4 2025 | 77.49% | 93.02% | $2.8M | $0 |
| Q1 2026 | 68.98% | 93.72% | $2.2M | $0 |
| Q2 2026 | 72.95% | 92.92% | $1.8M | $0 |
Sibley State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sibley 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 Sibley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11764) · FFIEC NIC profile (RSSD 598543)