United Bank of Iowa: 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 Cash and balances due from depository institutions: 55.5% lower than in Q1 2026, at $48.9M. Within Iowa, United Bank of Iowa is 96th of 225 on loan-to-deposit ratio, 85.60% as of Q2 2026, above the middle of the field. At 85.60%, United Bank of Iowa's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $48.9M |
| Cash and noninterest-bearing balances to assets | 1.96% |
| Cash and securities | $699.2M |
| 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 | $32.7M |
| Other borrowed money | $258.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.60% |
| Net loans and leases to deposits | 84.43% |
| Loans and leases to core deposits | 104.78% |
| Core deposits to total deposits | 81.62% |
| Brokered deposits to total deposits | 4.21% |
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 | 84.73% | 83.90% | $25.8M | $360.1M |
| Q4 2023 | 85.75% | 83.39% | $27.1M | $349.1M |
| Q1 2024 | 82.79% | 83.87% | $32.6M | $318.1M |
| Q2 2024 | 83.90% | 83.76% | $34.1M | $309.1M |
| Q3 2024 | 81.74% | 83.54% | $36.1M | $300.1M |
| Q4 2024 | 83.33% | 83.20% | $32.2M | $281.1M |
| Q1 2025 | 80.38% | 83.77% | $31.3M | $276.0M |
| Q2 2025 | 84.64% | 82.35% | $26.6M | $279.0M |
| Q3 2025 | 83.77% | 81.47% | $30.3M | $279.0M |
| Q4 2025 | 84.39% | 82.10% | $33.0M | $265.0M |
| Q1 2026 | 83.48% | 82.16% | $38.2M | $264.0M |
| Q2 2026 | 85.60% | 81.62% | $32.7M | $258.0M |
United Bank of Iowa liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank of Iowa, 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 of Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 958) · FFIEC NIC profile (RSSD 738040)