Dayspring 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: 321.3% higher than in Q1 2026, at $16.5M. Dayspring Bank ranks 30th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 93.33% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Dayspring Bank sits 5.12 points higher, at 93.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $56.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $270.8M |
| Fed funds sold and reverse repos | $16.5M |
| Fed funds sold and reverse repos to assets | 1.34% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $164.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.39% |
| Trading liabilities | $5.0M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.33% |
| Net loans and leases to deposits | 92.12% |
| Loans and leases to core deposits | 98.37% |
| Core deposits to total deposits | 57.92% |
| Brokered deposits to total deposits | 38.80% |
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 | 99.12% | 53.38% | $500K | $222.5M |
| Q4 2023 | 103.20% | 53.82% | $1.8M | $175.9M |
| Q1 2024 | 94.28% | 54.74% | $0 | $178.5M |
| Q2 2024 | 95.23% | 55.07% | $0 | $194.3M |
| Q3 2024 | 88.93% | 58.48% | $0 | $142.9M |
| Q4 2024 | 82.95% | 58.60% | $0 | $66.1M |
| Q1 2025 | 85.43% | 57.81% | $0 | $111.2M |
| Q2 2025 | 86.41% | 55.59% | $0 | $107.3M |
| Q3 2025 | 87.35% | 56.06% | $0 | $106.4M |
| Q4 2025 | 87.92% | 54.62% | $0 | $103.5M |
| Q1 2026 | 90.15% | 55.63% | $0 | $132.5M |
| Q2 2026 | 93.33% | 57.92% | $0 | $164.8M |
Dayspring Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dayspring 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 Dayspring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13622) · FFIEC NIC profile (RSSD 151957)