1st Financial Bank USA: 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 Cash and balances due from depository institutions: 51.2% higher than in Q1 2026, at $161.2M. Within South Dakota, 1st Financial Bank USA is 17th of 56 on loan-to-deposit ratio, 90.29% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; 1st Financial Bank USA reported 90.29% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $161.2M |
| Cash and noninterest-bearing balances to assets | 11.48% |
| Cash and securities | $273.3M |
| Fed funds sold and reverse repos | $2.2M |
| Fed funds sold and reverse repos to assets | 0.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $44.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.20% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.29% |
| Net loans and leases to deposits | 88.70% |
| Loans and leases to core deposits | 91.19% |
| Core deposits to total deposits | 22.65% |
| Brokered deposits to total deposits | 76.36% |
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 | 97.90% | 31.25% | $0 | $47.9M |
| Q4 2023 | 102.18% | 31.38% | $0 | $56.2M |
| Q1 2024 | 98.60% | 28.18% | $0 | $54.7M |
| Q2 2024 | 99.47% | 26.21% | $0 | $53.2M |
| Q3 2024 | 95.31% | 23.36% | $0 | $52.2M |
| Q4 2024 | 94.26% | 22.32% | $0 | $51.3M |
| Q1 2025 | 90.70% | 22.73% | $0 | $50.5M |
| Q2 2025 | 96.41% | 22.01% | $0 | $49.6M |
| Q3 2025 | 96.46% | 20.66% | $0 | $48.9M |
| Q4 2025 | 92.74% | 21.11% | $0 | $44.2M |
| Q1 2026 | 94.80% | 23.59% | $0 | $44.6M |
| Q2 2026 | 90.29% | 22.65% | $0 | $44.9M |
1st Financial Bank USA liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Financial Bank USA, 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 1st Financial Bank USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1673) · FFIEC NIC profile (RSSD 526452)