First International Bank and 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 Loans and leases to core deposits: 2.32 percentage points higher than in Q1 2026, at 98.96%. Within North Dakota, First International Bank and Trust is 14th of 60 on loan-to-deposit ratio, 91.33% as of Q2 2026, above the middle of the field. First International Bank and Trust reported 91.33% on loan-to-deposit ratio for Q2 2026, 3.13 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $336.3M |
| Cash and noninterest-bearing balances to assets | 5.45% |
| Cash and securities | $942.7M |
| 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 | $145.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.35% |
| Trading liabilities | $1.5M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.33% |
| Net loans and leases to deposits | 90.38% |
| Loans and leases to core deposits | 98.96% |
| Core deposits to total deposits | 92.17% |
| Brokered deposits to total deposits | 0.12% |
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 | 97.51% | 94.36% | $0 | $330.0M |
| Q4 2023 | 95.00% | 94.20% | $0 | $230.0M |
| Q1 2024 | 93.04% | 94.18% | $0 | $130.0M |
| Q2 2024 | 91.90% | 92.53% | $0 | $130.0M |
| Q3 2024 | 92.84% | 94.07% | $0 | $130.0M |
| Q4 2024 | 90.31% | 94.28% | $0 | $105.0M |
| Q1 2025 | 89.68% | 93.84% | $0 | $95.0M |
| Q2 2025 | 94.94% | 93.52% | $0 | $175.0M |
| Q3 2025 | 93.07% | 93.61% | $0 | $145.0M |
| Q4 2025 | 86.69% | 93.02% | $0 | $145.0M |
| Q1 2026 | 89.72% | 92.84% | $0 | $145.0M |
| Q2 2026 | 91.33% | 92.17% | $0 | $145.0M |
First International Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First International Bank and 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 International Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10248) · FFIEC NIC profile (RSSD 236153)