Bankwest, Incorporated: 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 dropped 89.1% in Q2 2026, from $41.9M to $4.6M. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Bankwest, Incorporated is 24th of 56 on loan-to-deposit ratio, 85.60% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Bankwest, Incorporated reported 85.60% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $422.9M |
| Fed funds sold and reverse repos | $4.6M |
| Fed funds sold and reverse repos to assets | 0.24% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $110.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.69% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.60% |
| Net loans and leases to deposits | 84.68% |
| Loans and leases to core deposits | 90.55% |
| Core deposits to total deposits | 89.14% |
| Brokered deposits to total deposits | 5.39% |
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 | 74.07% | 89.59% | $18.2M | $100.0M |
| Q4 2023 | 75.94% | 89.85% | $14.6M | $105.0M |
| Q1 2024 | 79.76% | 90.40% | $61.4M | $100.0M |
| Q2 2024 | 83.44% | 85.95% | $108.1M | $100.0M |
| Q3 2024 | 77.89% | 79.45% | $0 | $100.0M |
| Q4 2024 | 82.00% | 79.16% | $38.7M | $100.0M |
| Q1 2025 | 84.73% | 87.17% | $14.8M | $130.0M |
| Q2 2025 | 87.54% | 86.83% | $51.9M | $130.0M |
| Q3 2025 | 85.02% | 87.55% | $0 | $130.0M |
| Q4 2025 | 86.42% | 89.08% | $0 | $130.0M |
| Q1 2026 | 83.70% | 89.89% | $0 | $110.0M |
| Q2 2026 | 85.60% | 89.14% | $0 | $110.0M |
Bankwest, Incorporated liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankwest, Incorporated, 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 Bankwest, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4009) · FFIEC NIC profile (RSSD 540551)