White 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.
Fed funds sold and reverse repos dropped 19.5% in Q2 2026, from $8.0M to $6.4M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, White State Bank is 7th from the bottom among 225 Iowa banks, 39.50% (Q2 2026). Against a median of 80.55% for banks in the $100M-1B asset tier, White State Bank reported 39.50% on loan-to-deposit ratio in Q2 2026, 41.06 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.4M |
| Fed funds sold and reverse repos | $6.4M |
| Fed funds sold and reverse repos to assets | 5.87% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 39.50% |
| Net loans and leases to deposits | 38.81% |
| Loans and leases to core deposits | 42.39% |
| Core deposits to total deposits | 93.17% |
| 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 | 40.45% | 95.62% | $0 | $0 |
| Q4 2023 | 41.20% | 95.94% | $0 | $0 |
| Q1 2024 | 40.22% | 94.08% | $0 | $0 |
| Q2 2024 | 38.96% | 94.27% | $0 | $0 |
| Q3 2024 | 40.97% | 93.62% | $0 | $0 |
| Q4 2024 | 41.43% | 93.09% | $0 | $0 |
| Q1 2025 | 40.82% | 92.94% | $0 | $0 |
| Q2 2025 | 42.37% | 93.47% | $0 | $0 |
| Q3 2025 | 43.63% | 93.17% | $0 | $0 |
| Q4 2025 | 40.57% | 92.47% | $0 | $0 |
| Q1 2026 | 40.19% | 92.69% | $0 | $0 |
| Q2 2026 | 39.50% | 93.17% | $0 | $0 |
White State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock White 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 White State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8519) · FFIEC NIC profile (RSSD 359744)