United Bank and Trust Company: 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 largest change between Q1 2026 and Q2 2026 was in Cash and balances due from depository institutions, which rose 6.3% to $38.6M. United Bank and Trust Company ranks 188th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 61.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Bank and Trust Company sits 19.04 points lower, at 61.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $101.8M |
| Fed funds sold and reverse repos | $4.4M |
| Fed funds sold and reverse repos to assets | 1.91% |
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 | 61.80% |
| Net loans and leases to deposits | 60.93% |
| Loans and leases to core deposits | 71.63% |
| Core deposits to total deposits | 86.27% |
| 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 | 60.77% | 90.56% | $0 | $2.0M |
| Q4 2023 | 61.79% | 90.26% | $0 | $2.0M |
| Q1 2024 | 61.49% | 89.41% | $0 | $2.0M |
| Q2 2024 | 63.16% | 88.75% | $0 | $2.0M |
| Q3 2024 | 65.78% | 86.77% | $0 | $2.0M |
| Q4 2024 | 64.19% | 86.82% | $0 | $2.0M |
| Q1 2025 | 60.90% | 86.17% | $0 | $2.0M |
| Q2 2025 | 60.83% | 85.84% | $0 | $2.0M |
| Q3 2025 | 61.26% | 85.21% | $0 | $2.0M |
| Q4 2025 | 59.94% | 86.20% | $0 | $0 |
| Q1 2026 | 61.88% | 86.12% | $0 | $0 |
| Q2 2026 | 61.80% | 86.27% | $0 | $0 |
United Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank and Trust Company, 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 United Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14247) · FFIEC NIC profile (RSSD 116741)