Andes 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.
Loans and leases to core deposits dropped 3.74 percentage points in Q2 2026, from 60.29% to 56.55%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Andes State Bank is 48th of 56 on loan-to-deposit ratio, 45.83% as of Q2 2026. Andes State Bank reported 45.83% on loan-to-deposit ratio for Q2 2026, 21.50 points below the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.0M |
| Fed funds sold and reverse repos | $2.2M |
| Fed funds sold and reverse repos to assets | 7.80% |
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 | 45.83% |
| Net loans and leases to deposits | 44.80% |
| Loans and leases to core deposits | 56.55% |
| Core deposits to total deposits | 81.04% |
| 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 | 42.08% | 75.50% | $0 | $0 |
| Q4 2023 | 36.42% | 86.50% | $0 | $0 |
| Q1 2024 | 38.43% | 85.24% | $0 | $0 |
| Q2 2024 | 38.76% | 84.70% | $0 | $0 |
| Q3 2024 | 43.08% | 83.61% | $0 | $0 |
| Q4 2024 | 43.71% | 83.86% | $0 | $0 |
| Q1 2025 | 41.44% | 80.25% | $0 | $0 |
| Q2 2025 | 40.86% | 80.91% | $0 | $0 |
| Q3 2025 | 51.32% | 78.75% | $0 | $0 |
| Q4 2025 | 45.51% | 81.09% | $0 | $0 |
| Q1 2026 | 47.59% | 78.94% | $0 | $0 |
| Q2 2026 | 45.83% | 81.04% | $0 | $0 |
Andes State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Andes 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 Andes State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18483) · FFIEC NIC profile (RSSD 410159)