The Bank of Tioga: 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 sold and reverse repos climbed 213.2% in Q2 2026, from $3.7M to $11.5M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Bank of Tioga is 2nd from the bottom among 60 North Dakota banks, 34.32% (Q2 2026). The Bank of Tioga's loan-to-deposit ratio of 34.32% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 46.51 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $241.0M |
| Fed funds sold and reverse repos | $11.5M |
| Fed funds sold and reverse repos to assets | 2.80% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $59K |
| 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 | 34.32% |
| Net loans and leases to deposits | 34.02% |
| Loans and leases to core deposits | 38.02% |
| Core deposits to total deposits | 61.28% |
| Brokered deposits to total deposits | 35.87% |
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 | 29.33% | 69.31% | $18.9M | $0 |
| Q4 2023 | 26.29% | 56.26% | $0 | $0 |
| Q1 2024 | 26.53% | 58.09% | $0 | $0 |
| Q2 2024 | 26.91% | 56.94% | $0 | $0 |
| Q3 2024 | 26.06% | 56.59% | $0 | $0 |
| Q4 2024 | 25.14% | 56.48% | $0 | $0 |
| Q1 2025 | 24.12% | 59.04% | $0 | $0 |
| Q2 2025 | 27.79% | 57.92% | $11.0M | $0 |
| Q3 2025 | 30.70% | 59.04% | $0 | $0 |
| Q4 2025 | 30.74% | 60.72% | $47K | $0 |
| Q1 2026 | 30.95% | 54.42% | $0 | $0 |
| Q2 2026 | 34.32% | 61.28% | $59K | $0 |
The Bank of Tioga liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Tioga, 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 Bank of Tioga profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17280) · FFIEC NIC profile (RSSD 768953)