Dakota Community Bank & Trust, 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.
Loans and leases to core deposits climbed 5.39 percentage points in Q2 2026, from 72.15% to 77.54%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Dakota Community Bank & Trust, N.A. is 37th of 60 on loan-to-deposit ratio, 67.82% as of Q2 2026, below the middle of the field. Dakota Community Bank & Trust, N.A. reported 67.82% on loan-to-deposit ratio for Q2 2026, 20.38 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 | $74.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $508.5M |
| 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 | $7.2M |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.82% |
| Net loans and leases to deposits | 67.04% |
| Loans and leases to core deposits | 77.54% |
| Core deposits to total deposits | 85.85% |
| Brokered deposits to total deposits | 1.67% |
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 | 57.91% | 90.08% | $6.1M | $8.0M |
| Q4 2023 | 55.24% | 90.22% | $5.3M | $8.0M |
| Q1 2024 | 57.51% | 89.98% | $6.3M | $8.0M |
| Q2 2024 | 61.70% | 90.55% | $5.7M | $8.0M |
| Q3 2024 | 63.46% | 89.97% | $5.6M | $8.0M |
| Q4 2024 | 60.12% | 90.02% | $4.9M | $8.0M |
| Q1 2025 | 60.79% | 89.47% | $7.9M | $8.0M |
| Q2 2025 | 63.50% | 89.14% | $7.4M | $8.0M |
| Q3 2025 | 62.99% | 88.40% | $14.3M | $8.0M |
| Q4 2025 | 61.42% | 88.16% | $12.6M | $8.0M |
| Q1 2026 | 63.75% | 86.88% | $10.4M | $8.0M |
| Q2 2026 | 67.82% | 85.85% | $7.2M | $10.0M |
Dakota Community Bank & Trust, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dakota Community Bank & Trust, 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 Dakota Community Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15728) · FFIEC NIC profile (RSSD 815156)