United Bank & Trust Co.: 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 to assets: 4.24 percentage points higher than in Q1 2026, at 4.49%. United Bank & Trust Co. ranks 181st of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 64.56% (Q2 2026). United Bank & Trust Co. reported 64.56% on loan-to-deposit ratio for Q2 2026, 16.28 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 | $16.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.8M |
| Fed funds sold and reverse repos | $5.4M |
| Fed funds sold and reverse repos to assets | 4.49% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $922K |
| 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 | 64.56% |
| Net loans and leases to deposits | 63.72% |
| Loans and leases to core deposits | 66.65% |
| Core deposits to total deposits | 96.86% |
| 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 | 62.65% | 96.85% | $1.5M | $0 |
| Q4 2023 | 65.95% | 97.17% | $2.2M | $0 |
| Q1 2024 | 65.27% | 98.09% | $686K | $0 |
| Q2 2024 | 69.09% | 97.09% | $1.0M | $0 |
| Q3 2024 | 68.29% | 96.34% | $2.9M | $0 |
| Q4 2024 | 60.08% | 96.40% | $628K | $0 |
| Q1 2025 | 67.47% | 95.43% | $2.0M | $0 |
| Q2 2025 | 68.26% | 96.45% | $2.2M | $0 |
| Q3 2025 | 67.21% | 97.41% | $2.1M | $0 |
| Q4 2025 | 63.50% | 97.47% | $1.5M | $0 |
| Q1 2026 | 65.23% | 96.86% | $1.4M | $0 |
| Q2 2026 | 64.56% | 96.86% | $922K | $0 |
United Bank & Trust Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank & Trust Co., 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 & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57391) · FFIEC NIC profile (RSSD 3103591)