The State Bank of Toledo: 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 7.52 percentage points in Q2 2026, from 90.70% to 98.23%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, The State Bank of Toledo is 63rd of 225 on loan-to-deposit ratio, 91.61% as of Q2 2026, above the middle of the field. The State Bank of Toledo reported 91.61% on loan-to-deposit ratio for Q2 2026, 10.78 points above 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 | $14.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.4M |
| Fed funds sold and reverse repos | $3.2M |
| Fed funds sold and reverse repos to assets | 2.35% |
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 | 91.61% |
| Net loans and leases to deposits | 89.88% |
| Loans and leases to core deposits | 98.23% |
| Core deposits to total deposits | 91.79% |
| Brokered deposits to total deposits | 4.70% |
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 | 97.69% | 98.95% | $0 | $450K |
| Q4 2023 | 95.26% | 95.86% | $0 | $4.2M |
| Q1 2024 | 96.45% | 91.29% | $0 | $4.8M |
| Q2 2024 | 89.53% | 86.54% | $0 | $3.9M |
| Q3 2024 | 94.02% | 88.03% | $0 | $3.9M |
| Q4 2024 | 87.93% | 91.90% | $0 | $2.9M |
| Q1 2025 | 95.11% | 91.47% | $0 | $150K |
| Q2 2025 | 95.12% | 87.31% | $0 | $1.6M |
| Q3 2025 | 92.74% | 89.31% | $0 | $150K |
| Q4 2025 | 90.42% | 91.82% | $0 | $150K |
| Q1 2026 | 85.44% | 91.49% | $0 | $150K |
| Q2 2026 | 91.61% | 91.79% | $0 | $0 |
The State Bank of Toledo liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Toledo, 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 The State Bank of Toledo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4514) · FFIEC NIC profile (RSSD 490348)