First Fidelity 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.
Loans and leases to core deposits climbed 3.44 percentage points in Q2 2026, from 72.77% to 76.21%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, First Fidelity Bank is 36th of 56 on loan-to-deposit ratio, 67.45% as of Q2 2026, below the middle of the field. First Fidelity Bank reported 67.45% on loan-to-deposit ratio for Q2 2026, 13.39 points below 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 | $43.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $239.5M |
| Fed funds sold and reverse repos | $9.3M |
| Fed funds sold and reverse repos to assets | 1.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $64K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.45% |
| Net loans and leases to deposits | 67.10% |
| Loans and leases to core deposits | 76.21% |
| Core deposits to total deposits | 88.50% |
| 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 | 56.02% | 87.55% | $0 | $46K |
| Q4 2023 | 59.78% | 92.30% | $10.0M | $55K |
| Q1 2024 | 58.40% | 91.43% | $5.0M | $52K |
| Q2 2024 | 63.46% | 89.65% | $848K | $10.1M |
| Q3 2024 | 63.39% | 88.02% | $0 | $20.1M |
| Q4 2024 | 63.47% | 88.77% | $0 | $68K |
| Q1 2025 | 58.56% | 88.41% | $0 | $64K |
| Q2 2025 | 61.83% | 88.99% | $0 | $57K |
| Q3 2025 | 62.40% | 88.66% | $0 | $53K |
| Q4 2025 | 65.57% | 88.84% | $0 | $69K |
| Q1 2026 | 64.55% | 88.70% | $0 | $67K |
| Q2 2026 | 67.45% | 88.50% | $0 | $64K |
First Fidelity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Fidelity 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 First Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1122) · FFIEC NIC profile (RSSD 80150)