Dacotah 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.
Brokered deposits to total deposits dropped 19.81 percentage points in Q2 2026, from 19.81% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Dacotah Bank is 12th of 56 on loan-to-deposit ratio, 93.86% as of Q2 2026, above the middle of the field. Dacotah Bank reported 93.86% on loan-to-deposit ratio for Q2 2026, 5.66 points above 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 | $72.7M |
| Cash and noninterest-bearing balances to assets | 1.48% |
| Cash and securities | $649.5M |
| 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 | $54.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.86% |
| Net loans and leases to deposits | 92.76% |
| Loans and leases to core deposits | 101.63% |
| Core deposits to total deposits | 92.35% |
| 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 | 85.90% | 93.58% | $0 | $0 |
| Q4 2023 | 83.93% | 93.33% | $0 | $0 |
| Q1 2024 | 85.03% | 92.75% | $0 | $0 |
| Q2 2024 | 92.16% | 92.38% | $0 | $142.1M |
| Q3 2024 | 90.48% | 91.06% | $0 | $44.8M |
| Q4 2024 | 91.87% | 92.55% | $0 | $48.1M |
| Q1 2025 | 87.56% | 92.61% | $0 | $0 |
| Q2 2025 | 92.00% | 92.02% | $0 | $22.8M |
| Q3 2025 | 90.04% | 71.02% | $0 | $0 |
| Q4 2025 | 91.82% | 73.83% | $0 | $0 |
| Q1 2026 | 91.17% | 73.04% | $0 | $0 |
| Q2 2026 | 93.86% | 92.35% | $0 | $54.2M |
Dacotah Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dacotah 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 Dacotah Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17437) · FFIEC NIC profile (RSSD 256553)