West Iowa 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 Other borrowed money: 244.7% higher than in Q1 2026, at $8.1M. West Iowa Bank ranks 157th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 71.63% (Q2 2026). West Iowa Bank reported 71.63% on loan-to-deposit ratio for Q2 2026, 9.21 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 | $3.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $82.0M |
| 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 | $1.7M |
| Other borrowed money | $8.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.63% |
| Net loans and leases to deposits | 70.83% |
| Loans and leases to core deposits | 78.88% |
| Core deposits to total deposits | 90.81% |
| 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 | 67.67% | 94.17% | $0 | $13.8M |
| Q4 2023 | 69.37% | 91.53% | $649K | $13.8M |
| Q1 2024 | 72.73% | 91.66% | $1.7M | $13.8M |
| Q2 2024 | 68.90% | 87.21% | $0 | $13.8M |
| Q3 2024 | 66.67% | 88.01% | $0 | $9.8M |
| Q4 2024 | 67.33% | 89.95% | $0 | $9.8M |
| Q1 2025 | 66.17% | 90.68% | $0 | $7.8M |
| Q2 2025 | 68.58% | 93.57% | $2.5M | $5.3M |
| Q3 2025 | 69.02% | 91.37% | $169K | $5.3M |
| Q4 2025 | 72.23% | 91.36% | $4.3M | $5.3M |
| Q1 2026 | 69.61% | 91.47% | $1.7M | $2.4M |
| Q2 2026 | 71.63% | 90.81% | $1.7M | $8.1M |
West Iowa Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Iowa 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 West Iowa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9105) · FFIEC NIC profile (RSSD 137643)