First Bank & Trust: 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: 65.2% lower than in Q1 2026, at $114.3M. Within South Dakota, First Bank & Trust is 23rd of 56 on loan-to-deposit ratio, 85.70% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; First Bank & Trust reported 85.70% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $114.3M |
| Cash and noninterest-bearing balances to assets | 2.39% |
| Cash and securities | $956.3M |
| 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 | $1.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.70% |
| Net loans and leases to deposits | 84.62% |
| Loans and leases to core deposits | 92.76% |
| Core deposits to total deposits | 89.74% |
| Brokered deposits to total deposits | 2.64% |
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 | 90.06% | 86.42% | $0 | $256.1M |
| Q4 2023 | 92.40% | 87.37% | $0 | $332.1M |
| Q1 2024 | 89.72% | 89.03% | $0 | $169.6M |
| Q2 2024 | 93.81% | 88.90% | $0 | $340.6M |
| Q3 2024 | 91.31% | 86.02% | $0 | $216.3M |
| Q4 2024 | 89.92% | 88.43% | $0 | $151.3M |
| Q1 2025 | 85.69% | 87.84% | $0 | $126.3M |
| Q2 2025 | 85.89% | 87.80% | $0 | $101.3M |
| Q3 2025 | 86.17% | 87.61% | $0 | $101.3M |
| Q4 2025 | 85.16% | 88.52% | $0 | $1.3M |
| Q1 2026 | 81.61% | 88.44% | $0 | $1.3M |
| Q2 2026 | 85.70% | 89.74% | $0 | $1.3M |
First Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank & Trust, 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 First Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3973) · FFIEC NIC profile (RSSD 77851)