The Bancorp Bank N.A.: 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: 54.7% higher than in Q1 2026, at $748.3M. The Bancorp Bank N.A. ranks 9th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 96.00% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Bancorp Bank N.A. sits 7.80 points higher, at 96.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $80.1M |
| Cash and noninterest-bearing balances to assets | 0.87% |
| Cash and securities | $1.69B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $748.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.00% |
| Net loans and leases to deposits | 95.15% |
| Loans and leases to core deposits | 96.00% |
| Core deposits to total deposits | 98.02% |
| Brokered deposits to total deposits | 1.98% |
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 | 85.64% | 92.68% | $42K | $9.9M |
| Q4 2023 | 85.11% | 92.99% | $42K | $38.6M |
| Q1 2024 | 83.26% | 92.83% | $0 | $38.4M |
| Q2 2024 | 81.94% | 93.85% | $0 | $38.3M |
| Q3 2024 | 88.81% | 91.54% | $0 | $173.2M |
| Q4 2024 | 81.69% | 89.55% | $0 | $14.1M |
| Q1 2025 | 78.72% | 91.97% | $0 | $14.0M |
| Q2 2025 | 86.46% | 94.11% | $0 | $13.9M |
| Q3 2025 | 91.77% | 93.14% | $0 | $213.8M |
| Q4 2025 | 88.75% | 91.83% | $0 | $212.7M |
| Q1 2026 | 93.38% | 96.44% | $0 | $483.6M |
| Q2 2026 | 96.00% | 98.02% | $0 | $748.3M |
The Bancorp Bank N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bancorp Bank N.A., 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 The Bancorp Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35444) · FFIEC NIC profile (RSSD 2858960)