Sloan 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 to assets climbed 3.34 percentage points in Q2 2026, from 8.07% to 11.41%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Sloan State Bank is 4th from the bottom among 225 Iowa banks, 31.64% (Q2 2026). Sloan State Bank's loan-to-deposit ratio of 31.64% is well below the 67.32% median for banks in the < $100M asset tier, a gap of 35.69 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.8M |
| Fed funds sold and reverse repos | $9.0M |
| Fed funds sold and reverse repos to assets | 11.41% |
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 | 31.64% |
| Net loans and leases to deposits | 31.18% |
| Loans and leases to core deposits | 32.20% |
| Core deposits to total deposits | 98.26% |
| 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 | 37.13% | 94.23% | $2.2M | $0 |
| Q4 2023 | 37.10% | 94.99% | $0 | $0 |
| Q1 2024 | 34.72% | 95.50% | $0 | $0 |
| Q2 2024 | 34.99% | 95.78% | $0 | $0 |
| Q3 2024 | 34.79% | 98.33% | $0 | $0 |
| Q4 2024 | 36.29% | 95.05% | $0 | $0 |
| Q1 2025 | 33.74% | 98.43% | $0 | $0 |
| Q2 2025 | 34.35% | 98.37% | $0 | $0 |
| Q3 2025 | 38.30% | 99.13% | $0 | $0 |
| Q4 2025 | 39.04% | 99.15% | $0 | $0 |
| Q1 2026 | 31.63% | 99.31% | $0 | $0 |
| Q2 2026 | 31.64% | 98.26% | $0 | $0 |
Sloan State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sloan 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 Sloan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8507) · FFIEC NIC profile (RSSD 481748)