Aspire 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: 28.6% higher than in Q1 2026, at $4.5M. Among 60 North Dakota banks, Aspire Bank sits 3rd from the top on loan-to-deposit ratio, 110.88% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Aspire Bank reported 110.88% on loan-to-deposit ratio in Q2 2026, 43.26 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $5.7M |
| Fed funds sold and reverse repos | $4.1M |
| Fed funds sold and reverse repos to assets | 6.75% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.88% |
| Net loans and leases to deposits | 109.75% |
| Loans and leases to core deposits | 118.83% |
| Core deposits to total deposits | 93.31% |
| 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 | 91.97% | 90.95% | $0 | $0 |
| Q4 2023 | 93.22% | 92.11% | $0 | $0 |
| Q1 2024 | 90.04% | 91.94% | $0 | $0 |
| Q2 2024 | 93.83% | 90.49% | $0 | $0 |
| Q3 2024 | 97.86% | 89.62% | $0 | $0 |
| Q4 2024 | 102.22% | 89.62% | $0 | $1.0M |
| Q1 2025 | 96.92% | 92.08% | $0 | $1.0M |
| Q2 2025 | 110.41% | 90.33% | $0 | $5.0M |
| Q3 2025 | 112.04% | 89.58% | $0 | $5.0M |
| Q4 2025 | 105.77% | 91.20% | $0 | $4.0M |
| Q1 2026 | 109.17% | 93.09% | $0 | $3.5M |
| Q2 2026 | 110.88% | 93.31% | $0 | $4.5M |
Aspire Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Aspire 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 Aspire Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3934) · FFIEC NIC profile (RSSD 668053)