DNB National 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 Cash and balances due from depository institutions: 25.3% higher than in Q1 2026, at $5.9M. DNB National Bank has the 2nd lowest loan-to-deposit ratio of the 56 banks headquartered in South Dakota, at 26.77% as of Q2 2026. Against a median of 80.55% for banks in the $100M-1B asset tier, DNB National Bank reported 26.77% on loan-to-deposit ratio in Q2 2026, 53.78 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.6M |
| Fed funds sold and reverse repos | $100K |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 26.77% |
| Net loans and leases to deposits | 26.36% |
| Loans and leases to core deposits | 27.79% |
| Core deposits to total deposits | 88.32% |
| Brokered deposits to total deposits | 8.01% |
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 | 29.67% | 98.43% | $0 | $4.9M |
| Q4 2023 | 29.21% | 97.16% | $0 | $0 |
| Q1 2024 | 29.77% | 95.74% | $209K | $0 |
| Q2 2024 | 30.60% | 93.50% | $0 | $4.5M |
| Q3 2024 | 29.08% | 92.91% | $0 | $600K |
| Q4 2024 | 28.77% | 93.26% | $0 | $2.4M |
| Q1 2025 | 27.83% | 88.97% | $0 | $0 |
| Q2 2025 | 27.76% | 90.02% | $0 | $0 |
| Q3 2025 | 29.66% | 89.49% | $0 | $0 |
| Q4 2025 | 30.29% | 92.57% | $0 | $700K |
| Q1 2026 | 26.60% | 86.18% | $0 | $0 |
| Q2 2026 | 26.77% | 88.32% | $0 | $0 |
DNB National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock DNB National 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 DNB National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3977) · FFIEC NIC profile (RSSD 401559)