Citizens State Bank of Lankin: 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 Fed funds purchased and repos: 100.0% lower than in Q1 2026, at $0. Citizens State Bank of Lankin ranks 20th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 86.24% (Q2 2026). Citizens State Bank of Lankin reported 86.24% on loan-to-deposit ratio for Q2 2026, 18.62 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.2M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 1.40% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.24% |
| Net loans and leases to deposits | 85.57% |
| Loans and leases to core deposits | 99.01% |
| Core deposits to total deposits | 87.11% |
| Brokered deposits to total deposits | 9.93% |
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 | 83.64% | 97.78% | $10.5M | $0 |
| Q4 2023 | 84.08% | 98.40% | $3.9M | $6.1M |
| Q1 2024 | 78.50% | 97.34% | $1.8M | $3.0M |
| Q2 2024 | 88.25% | 96.62% | $7.0M | $3.0M |
| Q3 2024 | 87.22% | 86.82% | $6.0M | $3.0M |
| Q4 2024 | 83.07% | 87.65% | $3.0M | $3.0M |
| Q1 2025 | 83.16% | 88.51% | $3.0M | $3.0M |
| Q2 2025 | 89.15% | 87.50% | $1.9M | $6.0M |
| Q3 2025 | 86.01% | 88.12% | $1.7M | $4.0M |
| Q4 2025 | 83.86% | 87.62% | $415K | $4.0M |
| Q1 2026 | 81.95% | 87.60% | $3.0M | $4.0M |
| Q2 2026 | 86.24% | 87.11% | $0 | $4.0M |
Citizens State Bank of Lankin liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Lankin, 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 Citizens State Bank of Lankin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9422) · FFIEC NIC profile (RSSD 940852)