Visionbank 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.
Loans and leases to core deposits dropped 5.02 percentage points in Q2 2026, from 106.45% to 101.44%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Visionbank of Iowa is 34th of 225 on loan-to-deposit ratio, 99.51% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Visionbank of Iowa sits 18.67 points higher, at 99.51% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $49.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $110.9M |
| 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 | $2.8M |
| Other borrowed money | $37.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.51% |
| Net loans and leases to deposits | 98.40% |
| Loans and leases to core deposits | 101.44% |
| Core deposits to total deposits | 97.80% |
| Brokered deposits to total deposits | 0.30% |
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 | 97.79% | 91.12% | $2.5M | $49.0M |
| Q4 2023 | 99.52% | 92.44% | $2.5M | $54.5M |
| Q1 2024 | 99.03% | 91.20% | $3.3M | $58.5M |
| Q2 2024 | 100.92% | 91.13% | $2.5M | $53.5M |
| Q3 2024 | 97.41% | 88.32% | $2.7M | $58.0M |
| Q4 2024 | 101.82% | 89.43% | $2.3M | $58.0M |
| Q1 2025 | 101.26% | 89.20% | $2.2M | $64.5M |
| Q2 2025 | 98.09% | 91.04% | $2.3M | $47.0M |
| Q3 2025 | 102.69% | 92.47% | $2.4M | $57.0M |
| Q4 2025 | 101.65% | 94.19% | $2.6M | $47.0M |
| Q1 2026 | 104.40% | 97.48% | $2.8M | $62.0M |
| Q2 2026 | 99.51% | 97.80% | $2.8M | $37.0M |
Visionbank of Iowa liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Visionbank 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 Visionbank of Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11763) · FFIEC NIC profile (RSSD 269049)