State Savings 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 Fed funds sold and reverse repos: 69.5% lower than in Q1 2026, at $3.2M. State Savings Bank ranks 26th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 102.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Savings Bank sits 21.40 points higher, at 102.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.2M |
| Fed funds sold and reverse repos | $3.2M |
| Fed funds sold and reverse repos to assets | 1.54% |
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 | 0.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.24% |
| Net loans and leases to deposits | 101.35% |
| Loans and leases to core deposits | 111.56% |
| Core deposits to total deposits | 91.65% |
| 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 | 108.39% | 94.25% | $0 | $8.0M |
| Q4 2023 | 105.77% | 91.20% | $0 | $0 |
| Q1 2024 | 101.71% | 91.59% | $0 | $0 |
| Q2 2024 | 107.18% | 92.67% | $0 | $2.0M |
| Q3 2024 | 102.60% | 91.66% | $0 | $0 |
| Q4 2024 | 105.60% | 91.10% | $0 | $2.0M |
| Q1 2025 | 98.60% | 90.47% | $0 | $1.5M |
| Q2 2025 | 104.92% | 91.17% | $0 | $1.8M |
| Q3 2025 | 103.53% | 91.36% | $0 | $1.6M |
| Q4 2025 | 106.68% | 91.70% | $0 | $3.3M |
| Q1 2026 | 98.45% | 92.13% | $0 | $1.9M |
| Q2 2026 | 102.24% | 91.65% | $0 | $1.9M |
State Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14773) · FFIEC NIC profile (RSSD 792640)