Denali State 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 Core deposits to total deposits: 3.31 percentage points higher than in Q1 2026, at 86.64%. On loan-to-deposit ratio, Denali State Bank ranks 2nd highest among the 5 banks headquartered in Alaska, at 82.06% (Q2 2026). At 82.06%, Denali State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.0M |
| Cash and noninterest-bearing balances to assets | 2.67% |
| Cash and securities | $130.4M |
| 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 | $478K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.06% |
| Net loans and leases to deposits | 80.26% |
| Loans and leases to core deposits | 93.54% |
| Core deposits to total deposits | 86.64% |
| Brokered deposits to total deposits | 1.09% |
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 | 85.54% | 93.18% | $0 | $23.7M |
| Q4 2023 | 84.91% | 92.87% | $0 | $21.9M |
| Q1 2024 | 80.97% | 91.34% | $0 | $12.2M |
| Q2 2024 | 80.39% | 90.98% | $0 | $5.2M |
| Q3 2024 | 82.70% | 91.46% | $0 | $5.1M |
| Q4 2024 | 81.61% | 86.32% | $0 | $5.7M |
| Q1 2025 | 81.54% | 85.79% | $0 | $5.7M |
| Q2 2025 | 79.94% | 85.94% | $0 | $5.6M |
| Q3 2025 | 80.88% | 85.58% | $0 | $574K |
| Q4 2025 | 83.74% | 82.90% | $0 | $7.6M |
| Q1 2026 | 81.35% | 83.33% | $0 | $525K |
| Q2 2026 | 82.06% | 86.64% | $0 | $478K |
Denali State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Denali State 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 Denali State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26530) · FFIEC NIC profile (RSSD 571265)