Cortrust Bank N.A.: 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.
Fed funds purchased and repos climbed 284.9% in Q2 2026, from $10.2M to $39.1M. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Cortrust Bank N.A. is 30th of 56 on loan-to-deposit ratio, 73.77% as of Q2 2026, below the middle of the field. Cortrust Bank N.A. reported 73.77% on loan-to-deposit ratio for Q2 2026, 14.44 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $447.9M |
| 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 | $39.1M |
| 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 | 73.77% |
| Net loans and leases to deposits | 72.89% |
| Loans and leases to core deposits | 77.04% |
| Core deposits to total deposits | 91.93% |
| Brokered deposits to total deposits | 3.82% |
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 | 78.09% | 92.18% | $96.4M | $25.0M |
| Q4 2023 | 78.22% | 91.90% | $98.3M | $25.0M |
| Q1 2024 | 76.19% | 91.43% | $33.5M | $25.0M |
| Q2 2024 | 79.29% | 91.40% | $84.7M | $25.0M |
| Q3 2024 | 78.61% | 91.49% | $63.9M | $25.0M |
| Q4 2024 | 80.17% | 92.10% | $69.3M | $45.0M |
| Q1 2025 | 78.11% | 93.54% | $15.5M | $45.0M |
| Q2 2025 | 79.42% | 93.67% | $52.7M | $45.0M |
| Q3 2025 | 77.91% | 94.43% | $11.4M | $45.0M |
| Q4 2025 | 77.84% | 92.69% | $36.1M | $25.0M |
| Q1 2026 | 71.78% | 92.03% | $10.2M | $25.0M |
| Q2 2026 | 73.77% | 91.93% | $39.1M | $0 |
Cortrust Bank N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cortrust Bank N.A., 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 Cortrust Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6063) · FFIEC NIC profile (RSSD 61355)