The Denison 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.
Cash and balances due from depository institutions dropped 71.6% in Q2 2026, from $23.9M to $6.8M. It was the largest change from Q1 2026 among the key lines here. The Denison State Bank ranks 67th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 82.24% (Q2 2026). At 82.24%, The Denison State Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.3M |
| 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 | $8.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.24% |
| Net loans and leases to deposits | 81.40% |
| Loans and leases to core deposits | 90.95% |
| Core deposits to total deposits | 90.42% |
| 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 | 78.44% | 91.82% | $0 | $27.0M |
| Q4 2023 | 74.62% | 90.09% | $0 | $16.3M |
| Q1 2024 | 76.04% | 90.69% | $17K | $13.6M |
| Q2 2024 | 75.83% | 90.61% | $251K | $13.6M |
| Q3 2024 | 77.53% | 90.41% | $0 | $13.6M |
| Q4 2024 | 76.94% | 89.76% | $0 | $12.1M |
| Q1 2025 | 77.73% | 90.41% | $0 | $12.0M |
| Q2 2025 | 79.02% | 89.92% | $0 | $12.0M |
| Q3 2025 | 80.30% | 89.68% | $0 | $12.0M |
| Q4 2025 | 80.52% | 88.83% | $0 | $11.7M |
| Q1 2026 | 79.58% | 90.50% | $0 | $9.7M |
| Q2 2026 | 82.24% | 90.42% | $0 | $8.2M |
The Denison State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Denison 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 The Denison State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15305) · FFIEC NIC profile (RSSD 869551)