Solon 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 Other borrowed money: 50.0% lower than in Q1 2026, at $3.0M. Solon State Bank ranks 44th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 95.94% (Q2 2026). Solon State Bank reported 95.94% on loan-to-deposit ratio for Q2 2026, 15.38 points above 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 | $2.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.1M |
| 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 | $650K |
| Other borrowed money | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.94% |
| Net loans and leases to deposits | 93.80% |
| Loans and leases to core deposits | 99.15% |
| Core deposits to total deposits | 89.01% |
| Brokered deposits to total deposits | 7.75% |
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 | 76.01% | 94.59% | $0 | $9.4M |
| Q4 2023 | 80.26% | 95.40% | $0 | $11.8M |
| Q1 2024 | 77.47% | 94.35% | $0 | $8.4M |
| Q2 2024 | 78.53% | 94.94% | $0 | $8.0M |
| Q3 2024 | 82.26% | 97.32% | $0 | $8.9M |
| Q4 2024 | 86.23% | 97.67% | $0 | $9.2M |
| Q1 2025 | 93.66% | 92.87% | $0 | $14.3M |
| Q2 2025 | 93.13% | 93.42% | $0 | $11.9M |
| Q3 2025 | 96.69% | 88.55% | $0 | $12.7M |
| Q4 2025 | 100.34% | 89.65% | $0 | $12.8M |
| Q1 2026 | 95.05% | 89.62% | $0 | $6.0M |
| Q2 2026 | 95.94% | 89.01% | $650K | $3.0M |
Solon State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Solon 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 Solon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 232) · FFIEC NIC profile (RSSD 185448)