Waukon 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 198.4% higher than in Q1 2026, at $15.3M. Waukon State Bank ranks 42nd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 96.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Waukon State Bank sits 15.63 points higher, at 96.47% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.4M |
| Fed funds sold and reverse repos | $15.3M |
| Fed funds sold and reverse repos to assets | 3.59% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $12.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.47% |
| Net loans and leases to deposits | 95.12% |
| Loans and leases to core deposits | 109.74% |
| Core deposits to total deposits | 87.91% |
| 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 | 97.19% | 87.84% | $0 | $25.0M |
| Q4 2023 | 102.56% | 87.93% | $0 | $25.0M |
| Q1 2024 | 96.56% | 86.99% | $0 | $25.0M |
| Q2 2024 | 100.88% | 86.93% | $0 | $20.0M |
| Q3 2024 | 96.27% | 88.70% | $0 | $20.0M |
| Q4 2024 | 96.87% | 86.66% | $0 | $20.0M |
| Q1 2025 | 94.67% | 88.39% | $0 | $20.0M |
| Q2 2025 | 100.18% | 87.97% | $0 | $20.0M |
| Q3 2025 | 97.76% | 86.81% | $0 | $20.0M |
| Q4 2025 | 97.02% | 86.25% | $0 | $17.5M |
| Q1 2026 | 90.71% | 87.27% | $0 | $17.5M |
| Q2 2026 | 96.47% | 87.91% | $0 | $12.5M |
Waukon State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Waukon 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 Waukon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1857) · FFIEC NIC profile (RSSD 436542)