Cornerstone 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.
Cash and balances due from depository institutions climbed 158.0% in Q2 2026, from $26.0M to $67.0M. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Cornerstone Bank is 29th of 60 on loan-to-deposit ratio, 82.75% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Cornerstone Bank sits 5.45 points lower, at 82.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $67.0M |
| Cash and noninterest-bearing balances to assets | 3.61% |
| Cash and securities | $367.9M |
| Fed funds sold and reverse repos | $40.8M |
| Fed funds sold and reverse repos to assets | 2.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.16% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.75% |
| Net loans and leases to deposits | 81.66% |
| Loans and leases to core deposits | 94.61% |
| Core deposits to total deposits | 84.52% |
| Brokered deposits to total deposits | 2.94% |
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 | 77.19% | 86.56% | $0 | $40.0M |
| Q4 2023 | 79.73% | 86.60% | $0 | $40.0M |
| Q1 2024 | 79.85% | 87.40% | $0 | $40.0M |
| Q2 2024 | 83.26% | 86.38% | $0 | $70.0M |
| Q3 2024 | 81.68% | 83.14% | $0 | $40.0M |
| Q4 2024 | 76.99% | 84.27% | $0 | $40.0M |
| Q1 2025 | 76.81% | 83.33% | $0 | $40.0M |
| Q2 2025 | 80.52% | 85.97% | $0 | $40.0M |
| Q3 2025 | 81.92% | 85.77% | $0 | $40.0M |
| Q4 2025 | 79.50% | 85.69% | $0 | $40.0M |
| Q1 2026 | 83.48% | 86.48% | $0 | $54.5M |
| Q2 2026 | 82.75% | 84.52% | $0 | $40.0M |
Cornerstone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone 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 Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13198) · FFIEC NIC profile (RSSD 879457)