Bank Forward: 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 Loans and leases to core deposits: 9.08 percentage points higher than in Q1 2026, at 104.67%. Within North Dakota, Bank Forward is 10th of 60 on loan-to-deposit ratio, 96.30% 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. Bank Forward sits 8.09 points higher, at 96.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $118.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $171.5M |
| 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 | $65.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.30% |
| Net loans and leases to deposits | 95.64% |
| Loans and leases to core deposits | 104.67% |
| Core deposits to total deposits | 92.00% |
| 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 | 97.28% | 86.96% | $0 | $51.5M |
| Q4 2023 | 94.25% | 88.56% | $0 | $26.0M |
| Q1 2024 | 94.83% | 88.64% | $0 | $46.0M |
| Q2 2024 | 101.15% | 87.49% | $0 | $62.0M |
| Q3 2024 | 101.76% | 88.88% | $0 | $67.0M |
| Q4 2024 | 99.52% | 91.31% | $0 | $57.0M |
| Q1 2025 | 96.20% | 91.25% | $0 | $57.0M |
| Q2 2025 | 102.65% | 92.08% | $0 | $85.0M |
| Q3 2025 | 102.03% | 91.60% | $0 | $85.0M |
| Q4 2025 | 93.97% | 92.16% | $0 | $78.0M |
| Q1 2026 | 88.25% | 92.32% | $0 | $65.5M |
| Q2 2026 | 96.30% | 92.00% | $0 | $65.5M |
Bank Forward liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Forward, 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 Bank Forward profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8941) · FFIEC NIC profile (RSSD 812557)