State Central 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 Other borrowed money: 39.6% lower than in Q1 2026, at $1.9M. Within Iowa, State Central Bank is 151st of 225 on loan-to-deposit ratio, 73.14% as of Q2 2026. State Central Bank reported 73.14% on loan-to-deposit ratio for Q2 2026, 5.82 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.7M |
| 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 | $1.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.14% |
| Net loans and leases to deposits | 71.72% |
| Loans and leases to core deposits | 74.08% |
| Core deposits to total deposits | 98.73% |
| 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 | 35.75% | 100.00% | $0 | $0 |
| Q4 2023 | 34.98% | 100.00% | $0 | $0 |
| Q1 2024 | 33.82% | 100.00% | $0 | $0 |
| Q2 2024 | 39.00% | 100.00% | $0 | $0 |
| Q3 2024 | 48.47% | 100.00% | $0 | $0 |
| Q4 2024 | 49.07% | 100.00% | $0 | $0 |
| Q1 2025 | 44.63% | 100.00% | $0 | $0 |
| Q2 2025 | 55.34% | 100.00% | $0 | $0 |
| Q3 2025 | 58.40% | 98.77% | $0 | $0 |
| Q4 2025 | 65.80% | 98.26% | $0 | $0 |
| Q1 2026 | 73.63% | 98.15% | $0 | $3.1M |
| Q2 2026 | 73.14% | 98.73% | $0 | $1.9M |
State Central Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5820) · FFIEC NIC profile (RSSD 808345)