Bankstar Financial: 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: 3.08 percentage points higher than in Q1 2026, at 111.24%. Bankstar Financial ranks 11th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 94.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bankstar Financial sits 13.40 points higher, at 94.23% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.0M |
| Fed funds sold and reverse repos | $237K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $24.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.66% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.23% |
| Net loans and leases to deposits | 93.24% |
| Loans and leases to core deposits | 111.24% |
| Core deposits to total deposits | 82.73% |
| Brokered deposits to total deposits | 1.99% |
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 | 101.05% | 88.04% | $0 | $34.2M |
| Q4 2023 | 103.84% | 87.42% | $0 | $45.0M |
| Q1 2024 | 97.92% | 86.60% | $0 | $38.7M |
| Q2 2024 | 100.13% | 85.41% | $0 | $38.7M |
| Q3 2024 | 95.67% | 83.73% | $0 | $35.7M |
| Q4 2024 | 97.22% | 83.40% | $0 | $35.2M |
| Q1 2025 | 95.77% | 82.54% | $0 | $32.2M |
| Q2 2025 | 95.32% | 81.59% | $0 | $28.0M |
| Q3 2025 | 94.54% | 82.86% | $0 | $26.0M |
| Q4 2025 | 93.05% | 83.13% | $0 | $23.0M |
| Q1 2026 | 92.35% | 83.40% | $0 | $19.5M |
| Q2 2026 | 94.23% | 82.73% | $0 | $24.2M |
Bankstar Financial liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankstar Financial, 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 Bankstar Financial profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 496) · FFIEC NIC profile (RSSD 109453)