Dakota Heritage 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $0. Within North Dakota, Dakota Heritage Bank is 12th of 60 on loan-to-deposit ratio, 94.55% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Dakota Heritage Bank sits 13.72 points higher, at 94.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.2M |
| 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 | $8.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.55% |
| Net loans and leases to deposits | 93.35% |
| Loans and leases to core deposits | 107.78% |
| Core deposits to total deposits | 87.72% |
| 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 | 93.91% | 88.31% | $1.2M | $28.2M |
| Q4 2023 | 92.75% | 87.96% | $207K | $30.7M |
| Q1 2024 | 85.73% | 88.59% | $210K | $0 |
| Q2 2024 | 91.16% | 88.01% | $5.2M | $6.2M |
| Q3 2024 | 95.07% | 86.86% | $1.2M | $27.4M |
| Q4 2024 | 91.26% | 87.29% | $214K | $12.1M |
| Q1 2025 | 85.29% | 88.09% | $217K | $0 |
| Q2 2025 | 95.47% | 87.25% | $217K | $19.5M |
| Q3 2025 | 96.29% | 88.98% | $3.0M | $19.5M |
| Q4 2025 | 97.93% | 88.42% | $4.5M | $23.5M |
| Q1 2026 | 89.57% | 88.57% | $0 | $0 |
| Q2 2026 | 94.55% | 87.72% | $0 | $8.4M |
Dakota Heritage Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dakota Heritage 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 Dakota Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16231) · FFIEC NIC profile (RSSD 860352)