Dickinson County 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 Loan-to-deposit ratio: 7.33 percentage points lower than in Q1 2026, at 75.35%. Dickinson County Bank ranks 93rd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 75.35% (Q2 2026). Dickinson County Bank reported 75.35% on loan-to-deposit ratio for Q2 2026, 7.73 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $8.5M |
| 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 | $731K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.35% |
| Net loans and leases to deposits | 73.69% |
| Loans and leases to core deposits | 83.75% |
| Core deposits to total deposits | 89.97% |
| 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 | 79.03% | 100.00% | $0 | $1.1M |
| Q4 2023 | 87.47% | 100.00% | $0 | $1.1M |
| Q1 2024 | 74.45% | 100.00% | $0 | $1.1M |
| Q2 2024 | 71.80% | 100.00% | $0 | $1.1M |
| Q3 2024 | 79.47% | 100.00% | $0 | $1.0M |
| Q4 2024 | 83.17% | 100.00% | $0 | $1.0M |
| Q1 2025 | 79.32% | 98.33% | $0 | $836K |
| Q2 2025 | 73.10% | 100.00% | $0 | $830K |
| Q3 2025 | 76.17% | 98.40% | $0 | $824K |
| Q4 2025 | 81.47% | 96.00% | $0 | $818K |
| Q1 2026 | 82.68% | 96.05% | $0 | $811K |
| Q2 2026 | 75.35% | 89.97% | $0 | $731K |
Dickinson County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dickinson County 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 Dickinson County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12425) · FFIEC NIC profile (RSSD 981350)