Bison 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.
The standout move of Q2 2026 was in Net loans and leases to deposits: 15.65 percentage points lower than in Q1 2026, at 99.15%. On loan-to-deposit ratio, Bison State Bank ranks 16th highest among the 182 banks headquartered in Kansas, at 100.10% (Q2 2026). Bison State Bank reported 100.10% on loan-to-deposit ratio for Q2 2026, 19.54 points above 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 | $15.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.3M |
| Fed funds sold and reverse repos | $8.6M |
| Fed funds sold and reverse repos to assets | 6.82% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $12.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.96% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.10% |
| Net loans and leases to deposits | 99.15% |
| Loans and leases to core deposits | 105.37% |
| Core deposits to total deposits | 74.87% |
| Brokered deposits to total deposits | 20.12% |
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 | 108.61% | 79.81% | $0 | $7.0M |
| Q4 2023 | 104.60% | 82.15% | $0 | $4.9M |
| Q1 2024 | 93.81% | 82.77% | $0 | $1.3M |
| Q2 2024 | 94.06% | 87.07% | $0 | $4.8M |
| Q3 2024 | 94.71% | 84.65% | $0 | $5.3M |
| Q4 2024 | 79.35% | 85.57% | $0 | $0 |
| Q1 2025 | 90.51% | 83.98% | $0 | $7.6M |
| Q2 2025 | 78.69% | 84.50% | $0 | $0 |
| Q3 2025 | 101.90% | 80.80% | $0 | $16.5M |
| Q4 2025 | 100.83% | 76.58% | $0 | $12.3M |
| Q1 2026 | 115.70% | 78.06% | $0 | $27.4M |
| Q2 2026 | 100.10% | 74.87% | $0 | $12.5M |
Bison State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bison 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 Bison State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14083) · FFIEC NIC profile (RSSD 354)