Bryant 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 Loans and leases to core deposits: 6.58 percentage points higher than in Q1 2026, at 88.73%. Bryant State Bank ranks 37th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 66.20% (Q2 2026). At 66.20%, Bryant State Bank's loan-to-deposit ratio is close to the 67.32% median for banks in the < $100M asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.4M |
| 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 | $0 |
| 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 | 66.20% |
| Net loans and leases to deposits | 62.42% |
| Loans and leases to core deposits | 88.73% |
| Core deposits to total deposits | 74.60% |
| 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 | 69.42% | 82.95% | $0 | $0 |
| Q4 2023 | 70.10% | 83.84% | $0 | $0 |
| Q1 2024 | 61.59% | 84.42% | $0 | $0 |
| Q2 2024 | 68.92% | 84.76% | $0 | $0 |
| Q3 2024 | 72.82% | 83.41% | $0 | $750K |
| Q4 2024 | 71.84% | 84.39% | $0 | $0 |
| Q1 2025 | 67.83% | 83.20% | $0 | $0 |
| Q2 2025 | 71.63% | 80.39% | $0 | $600K |
| Q3 2025 | 75.95% | 79.13% | $0 | $950K |
| Q4 2025 | 69.82% | 81.49% | $0 | $0 |
| Q1 2026 | 63.31% | 77.06% | $0 | $0 |
| Q2 2026 | 66.20% | 74.60% | $0 | $0 |
Bryant State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bryant 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 Bryant State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6064) · FFIEC NIC profile (RSSD 82257)