First 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.
Loans and leases to core deposits climbed 4.23 percentage points in Q2 2026, from 107.27% to 111.50%. It was the largest change from Q1 2026 among the key lines here. Among 56 South Dakota banks, First National Bank sits 3rd from the top on loan-to-deposit ratio, 103.98% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First National Bank sits 15.78 points higher, at 103.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $127.1M |
| Cash and noninterest-bearing balances to assets | 6.26% |
| Cash and securities | $391.8M |
| 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 | $14.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.98% |
| Net loans and leases to deposits | 98.94% |
| Loans and leases to core deposits | 111.50% |
| Core deposits to total deposits | 93.26% |
| Brokered deposits to total deposits | 0.13% |
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 | 107.82% | 90.10% | $88K | $15.0M |
| Q4 2023 | 109.18% | 91.27% | $24K | $15.0M |
| Q1 2024 | 107.72% | 92.20% | $0 | $15.0M |
| Q2 2024 | 108.10% | 92.63% | $0 | $15.0M |
| Q3 2024 | 110.10% | 92.32% | $0 | $15.0M |
| Q4 2024 | 109.02% | 93.31% | $0 | $15.0M |
| Q1 2025 | 109.18% | 92.97% | $0 | $15.0M |
| Q2 2025 | 111.76% | 92.86% | $0 | $15.0M |
| Q3 2025 | 98.52% | 93.18% | $0 | $20.0M |
| Q4 2025 | 97.01% | 93.50% | $0 | $19.8M |
| Q1 2026 | 100.05% | 93.27% | $0 | $14.8M |
| Q2 2026 | 103.98% | 93.26% | $0 | $14.8M |
First National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14712) · FFIEC NIC profile (RSSD 355858)