Commercial State Bank of Wagner: 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.
Other borrowed money climbed 163.6% in Q2 2026, from $4.3M to $11.4M. It was the largest change from Q1 2026 among the key lines here. Commercial State Bank of Wagner ranks 33rd of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 71.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Commercial State Bank of Wagner sits 9.68 points lower, at 71.16% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $98.7M |
| 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 | $11.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.16% |
| Net loans and leases to deposits | 70.25% |
| Loans and leases to core deposits | 77.98% |
| Core deposits to total deposits | 91.25% |
| 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 | 63.40% | 92.13% | $0 | $4.0M |
| Q4 2023 | 64.08% | 92.04% | $8.0M | $0 |
| Q1 2024 | 62.20% | 92.24% | $8.0M | $0 |
| Q2 2024 | 58.83% | 91.24% | $0 | $0 |
| Q3 2024 | 60.79% | 90.64% | $0 | $0 |
| Q4 2024 | 65.92% | 90.06% | $0 | $8.2M |
| Q1 2025 | 63.05% | 90.60% | $0 | $5.0M |
| Q2 2025 | 67.28% | 90.53% | $0 | $6.9M |
| Q3 2025 | 69.37% | 90.33% | $0 | $7.2M |
| Q4 2025 | 74.91% | 90.46% | $0 | $15.5M |
| Q1 2026 | 67.15% | 91.83% | $0 | $4.3M |
| Q2 2026 | 71.16% | 91.25% | $0 | $11.4M |
Commercial State Bank of Wagner liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial State Bank of Wagner, 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 Commercial State Bank of Wagner profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9932) · FFIEC NIC profile (RSSD 129853)