South Story Bank & Trust: 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.
Other borrowed money climbed 21.0% in Q2 2026, from $44.6M to $54.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, South Story Bank & Trust ranks 4th highest among the 225 banks headquartered in Iowa, at 116.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. South Story Bank & Trust sits 35.61 points higher, at 116.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.0M |
| Fed funds sold and reverse repos | $12K |
| 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 | $54.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 116.55% |
| Net loans and leases to deposits | 115.10% |
| Loans and leases to core deposits | 126.34% |
| Core deposits to total deposits | 70.23% |
| Brokered deposits to total deposits | 22.02% |
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 | 113.58% | 83.02% | $0 | $38.0M |
| Q4 2023 | 128.37% | 83.33% | $0 | $76.0M |
| Q1 2024 | 109.36% | 73.82% | $0 | $23.0M |
| Q2 2024 | 112.83% | 74.20% | $0 | $38.0M |
| Q3 2024 | 113.64% | 70.55% | $0 | $34.2M |
| Q4 2024 | 114.47% | 73.03% | $0 | $54.5M |
| Q1 2025 | 125.43% | 74.91% | $0 | $89.6M |
| Q2 2025 | 120.42% | 70.26% | $0 | $79.6M |
| Q3 2025 | 121.48% | 68.61% | $0 | $79.6M |
| Q4 2025 | 117.66% | 70.02% | $0 | $61.6M |
| Q1 2026 | 115.77% | 70.26% | $0 | $44.6M |
| Q2 2026 | 116.55% | 70.23% | $0 | $54.0M |
South Story Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock South Story Bank & Trust, 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 Story Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17348) · FFIEC NIC profile (RSSD 542340)