State Bank & Trust Co.: 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.
Fed funds sold and reverse repos climbed 159.3% in Q2 2026, from $2.7M to $7.0M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, State Bank & Trust Co. is 196th of 225 on loan-to-deposit ratio, 59.11% as of Q2 2026, below the middle of the field. State Bank & Trust Co. reported 59.11% on loan-to-deposit ratio for Q2 2026, 21.73 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 | $27.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $92.6M |
| Fed funds sold and reverse repos | $7.0M |
| Fed funds sold and reverse repos to assets | 3.54% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.1M |
| 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 | 59.11% |
| Net loans and leases to deposits | 58.30% |
| Loans and leases to core deposits | 60.68% |
| Core deposits to total deposits | 97.41% |
| 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 | 56.06% | 97.63% | $9.8M | $0 |
| Q4 2023 | 61.45% | 97.70% | $7.9M | $5.0M |
| Q1 2024 | 59.98% | 97.71% | $9.4M | $0 |
| Q2 2024 | 62.74% | 97.97% | $6.9M | $0 |
| Q3 2024 | 63.35% | 97.67% | $10.7M | $0 |
| Q4 2024 | 68.31% | 97.14% | $13.6M | $5.0M |
| Q1 2025 | 68.42% | 97.20% | $13.1M | $0 |
| Q2 2025 | 67.19% | 96.77% | $4.4M | $0 |
| Q3 2025 | 66.11% | 96.84% | $4.5M | $0 |
| Q4 2025 | 64.54% | 97.01% | $5.3M | $0 |
| Q1 2026 | 61.49% | 97.23% | $4.0M | $0 |
| Q2 2026 | 59.11% | 97.41% | $3.1M | $0 |
State Bank & Trust Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & Trust Co., 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 & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15651) · FFIEC NIC profile (RSSD 229342)