American State Bank & Trust Company of Williston: 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 purchased and repos climbed 235.8% in Q2 2026, from $1.5M to $5.2M. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, American State Bank & Trust Company of Williston is 48th of 60 on loan-to-deposit ratio, 52.87% as of Q2 2026, below the middle of the field. American State Bank & Trust Company of Williston reported 52.87% on loan-to-deposit ratio for Q2 2026, 27.96 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 | $8.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $326.8M |
| Fed funds sold and reverse repos | $682K |
| Fed funds sold and reverse repos to assets | 0.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.2M |
| Other borrowed money | $10.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.87% |
| Net loans and leases to deposits | 51.99% |
| Loans and leases to core deposits | 57.29% |
| Core deposits to total deposits | 92.30% |
| 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 | 53.36% | 96.95% | $2.4M | $14.9M |
| Q4 2023 | 53.41% | 95.26% | $1.7M | $13.8M |
| Q1 2024 | 53.19% | 93.55% | $1.3M | $13.6M |
| Q2 2024 | 56.21% | 92.52% | $1.7M | $11.3M |
| Q3 2024 | 55.83% | 92.62% | $1.5M | $11.7M |
| Q4 2024 | 54.39% | 92.55% | $1.4M | $11.8M |
| Q1 2025 | 53.88% | 92.97% | $1.4M | $15.4M |
| Q2 2025 | 55.42% | 92.96% | $1.5M | $14.9M |
| Q3 2025 | 53.76% | 91.31% | $1.5M | $14.3M |
| Q4 2025 | 52.25% | 91.74% | $1.6M | $12.9M |
| Q1 2026 | 49.89% | 91.57% | $1.5M | $10.4M |
| Q2 2026 | 52.87% | 92.30% | $5.2M | $10.1M |
American State Bank & Trust Company of Williston liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American State Bank & Trust Company of Williston, 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 American State Bank & Trust Company of Williston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15444) · FFIEC NIC profile (RSSD 244251)