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.
Loans and leases to core deposits climbed 3.02 percentage points in Q2 2026, from 80.66% to 83.67%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, State Bank is 143rd of 225 on loan-to-deposit ratio, 75.61% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. State Bank sits 8.29 points higher, at 75.61% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $19.5M |
| 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 | $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 | 75.61% |
| Net loans and leases to deposits | 74.76% |
| Loans and leases to core deposits | 83.67% |
| Core deposits to total deposits | 90.37% |
| 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 | 71.37% | 94.55% | $925K | $0 |
| Q4 2023 | 72.07% | 94.86% | $900K | $0 |
| Q1 2024 | 71.72% | 94.75% | $0 | $0 |
| Q2 2024 | 70.54% | 93.51% | $0 | $0 |
| Q3 2024 | 70.31% | 93.23% | $0 | $0 |
| Q4 2024 | 69.23% | 93.34% | $0 | $0 |
| Q1 2025 | 67.61% | 91.96% | $0 | $0 |
| Q2 2025 | 74.25% | 91.73% | $0 | $0 |
| Q3 2025 | 73.78% | 90.31% | $0 | $0 |
| Q4 2025 | 74.08% | 90.42% | $0 | $0 |
| Q1 2026 | 72.80% | 90.27% | $0 | $0 |
| Q2 2026 | 75.61% | 90.37% | $0 | $0 |
State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16151) · FFIEC NIC profile (RSSD 651149)