Union 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 7.51 percentage points in Q2 2026, from 67.84% to 75.35%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Union State Bank is 166th of 225 on loan-to-deposit ratio, 69.00% as of Q2 2026, below the middle of the field. Union State Bank reported 69.00% on loan-to-deposit ratio for Q2 2026, 11.84 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 | $21.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.0M |
| 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 | 69.00% |
| Net loans and leases to deposits | 68.58% |
| Loans and leases to core deposits | 75.35% |
| Core deposits to total deposits | 91.57% |
| 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 | 66.06% | 88.04% | $4.4M | $0 |
| Q4 2023 | 70.05% | 87.24% | $5.9M | $0 |
| Q1 2024 | 61.40% | 84.87% | $2K | $0 |
| Q2 2024 | 68.62% | 82.76% | $0 | $0 |
| Q3 2024 | 61.51% | 84.46% | $0 | $0 |
| Q4 2024 | 69.95% | 85.78% | $0 | $0 |
| Q1 2025 | 65.54% | 93.14% | $0 | $0 |
| Q2 2025 | 73.99% | 91.40% | $0 | $0 |
| Q3 2025 | 74.58% | 90.54% | $0 | $0 |
| Q4 2025 | 68.50% | 91.08% | $0 | $0 |
| Q1 2026 | 62.31% | 91.84% | $0 | $0 |
| Q2 2026 | 69.00% | 91.57% | $0 | $0 |
Union State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Union 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 Union State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14982) · FFIEC NIC profile (RSSD 148340)