Bendena State Bank: 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.
Loans and leases to core deposits climbed 5.70 percentage points in Q2 2026, from 77.88% to 83.58%. It was the largest change from Q1 2026 among the key lines here. Bendena State Bank ranks 92nd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 75.59% (Q2 2026). Bendena State Bank reported 75.59% on loan-to-deposit ratio for Q2 2026, 4.96 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.4M |
| 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 | $3.4M |
| 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 | 75.59% |
| Net loans and leases to deposits | 74.78% |
| Loans and leases to core deposits | 83.58% |
| Core deposits to total deposits | 90.44% |
| 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 | 70.31% | 94.41% | $6.7M | $2.2M |
| Q4 2023 | 76.22% | 94.87% | $9.7M | $2.2M |
| Q1 2024 | 73.24% | 94.64% | $772K | $6.2M |
| Q2 2024 | 76.07% | 94.00% | $3.5M | $6.2M |
| Q3 2024 | 79.13% | 92.74% | $5.3M | $6.2M |
| Q4 2024 | 80.28% | 92.93% | $5.7M | $6.2M |
| Q1 2025 | 70.75% | 93.56% | $0 | $700K |
| Q2 2025 | 75.54% | 93.37% | $3.6M | $1.7M |
| Q3 2025 | 76.88% | 93.48% | $5.6M | $1.7M |
| Q4 2025 | 76.12% | 94.29% | $5.9M | $1.7M |
| Q1 2026 | 70.98% | 91.13% | $0 | $0 |
| Q2 2026 | 75.59% | 90.44% | $3.4M | $0 |
Bendena State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bendena State Bank, 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 Bendena State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17410) · FFIEC NIC profile (RSSD 1008151)