Del Norte Bank, a Savings and Loan Association: 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: 39.2% higher than in Q1 2026, at $3.2M. Within Colorado, Del Norte Bank, a Savings and Loan Association is 8th of 63 on loan-to-deposit ratio, 99.21% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Del Norte Bank, a Savings and Loan Association sits 18.27 points higher, at 99.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $19.8M |
| Fed funds sold and reverse repos | $3.2M |
| Fed funds sold and reverse repos to assets | 2.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.21% |
| Net loans and leases to deposits | 98.12% |
| Loans and leases to core deposits | 114.34% |
| Core deposits to total deposits | 79.71% |
| Brokered deposits to total deposits | 7.06% |
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 | 91.86% | 77.00% | $0 | $5.7M |
| Q4 2023 | 99.33% | 76.76% | $0 | $8.8M |
| Q1 2024 | 94.39% | 76.30% | $0 | $8.1M |
| Q2 2024 | 98.81% | 75.35% | $0 | $8.8M |
| Q3 2024 | 91.10% | 76.67% | $0 | $7.8M |
| Q4 2024 | 94.87% | 76.54% | $0 | $5.3M |
| Q1 2025 | 97.55% | 80.87% | $0 | $8.4M |
| Q2 2025 | 97.76% | 75.53% | $0 | $9.6M |
| Q3 2025 | 98.13% | 77.99% | $0 | $10.9M |
| Q4 2025 | 102.29% | 78.79% | $0 | $10.9M |
| Q1 2026 | 101.78% | 78.98% | $0 | $12.6M |
| Q2 2026 | 99.21% | 79.71% | $0 | $10.8M |
Del Norte Bank, a Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Del Norte Bank, a Savings and Loan Association, 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 Del Norte Bank, a Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29066) · FFIEC NIC profile (RSSD 705378)