South Ottumwa 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 Cash and balances due from depository institutions: 115.4% higher than in Q1 2026, at $50.2M. Within Iowa, South Ottumwa Savings Bank is 171st of 225 on loan-to-deposit ratio, 68.45% as of Q2 2026, below the middle of the field. South Ottumwa Savings Bank reported 68.45% on loan-to-deposit ratio for Q2 2026, 12.39 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 | $50.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $210.1M |
| 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 | $0 |
| Other borrowed money | $12.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.21% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.45% |
| Net loans and leases to deposits | 67.72% |
| Loans and leases to core deposits | 73.99% |
| Core deposits to total deposits | 92.52% |
| 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 | 66.68% | 91.36% | $3.6M | $20.4M |
| Q4 2023 | 66.97% | 91.78% | $1.6M | $16.8M |
| Q1 2024 | 68.81% | 91.72% | $0 | $16.5M |
| Q2 2024 | 71.96% | 93.36% | $0 | $19.8M |
| Q3 2024 | 71.51% | 91.97% | $0 | $14.8M |
| Q4 2024 | 70.51% | 91.91% | $0 | $14.7M |
| Q1 2025 | 69.35% | 92.61% | $0 | $14.7M |
| Q2 2025 | 73.56% | 92.69% | $0 | $14.7M |
| Q3 2025 | 77.05% | 91.30% | $12.9M | $12.6M |
| Q4 2025 | 75.24% | 91.61% | $0 | $12.6M |
| Q1 2026 | 73.42% | 91.11% | $0 | $12.5M |
| Q2 2026 | 68.45% | 92.52% | $0 | $12.5M |
South Ottumwa Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock South Ottumwa 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 South Ottumwa Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9099) · FFIEC NIC profile (RSSD 75446)