The Dolores 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 Loans and leases to core deposits: 3.08 percentage points higher than in Q1 2026, at 101.10%. The Dolores State Bank ranks 18th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 93.45% (Q2 2026). The Dolores State Bank reported 93.45% on loan-to-deposit ratio for Q2 2026, 12.61 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $104.1M |
| Fed funds sold and reverse repos | $23.6M |
| Fed funds sold and reverse repos to assets | 5.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.45% |
| Net loans and leases to deposits | 92.32% |
| Loans and leases to core deposits | 101.10% |
| Core deposits to total deposits | 92.44% |
| 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 | 81.25% | 95.39% | $0 | $0 |
| Q4 2023 | 84.14% | 94.94% | $0 | $10.0M |
| Q1 2024 | 82.75% | 94.35% | $0 | $10.0M |
| Q2 2024 | 81.63% | 93.42% | $0 | $10.0M |
| Q3 2024 | 82.77% | 93.89% | $0 | $10.0M |
| Q4 2024 | 82.31% | 94.08% | $0 | $10.0M |
| Q1 2025 | 81.74% | 94.33% | $0 | $10.0M |
| Q2 2025 | 86.65% | 94.06% | $0 | $10.0M |
| Q3 2025 | 91.49% | 93.10% | $0 | $30.0M |
| Q4 2025 | 90.63% | 92.91% | $0 | $25.0M |
| Q1 2026 | 91.09% | 92.94% | $0 | $25.0M |
| Q2 2026 | 93.45% | 92.44% | $0 | $25.0M |
The Dolores 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 Dolores 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 Dolores State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17959) · FFIEC NIC profile (RSSD 63050)