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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 61.8% lower than in Q1 2026, at $14.1M. Within South Dakota, First National Bank is 8th of 56 on loan-to-deposit ratio, 96.64% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First National Bank sits 16.08 points higher, at 96.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.1M |
| Cash and noninterest-bearing balances to assets | 2.96% |
| Cash and securities | $108.2M |
| 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 | $3.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.69% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.64% |
| Net loans and leases to deposits | 90.58% |
| Loans and leases to core deposits | 104.89% |
| Core deposits to total deposits | 92.13% |
| 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 | 97.66% | 93.33% | $0 | $4.3M |
| Q4 2023 | 96.10% | 92.33% | $0 | $11.8M |
| Q1 2024 | 90.83% | 91.97% | $0 | $11.8M |
| Q2 2024 | 92.73% | 92.19% | $0 | $11.8M |
| Q3 2024 | 95.97% | 91.52% | $0 | $11.8M |
| Q4 2024 | 94.62% | 92.00% | $0 | $4.3M |
| Q1 2025 | 93.01% | 91.54% | $0 | $4.3M |
| Q2 2025 | 95.02% | 91.54% | $0 | $4.3M |
| Q3 2025 | 93.98% | 91.57% | $0 | $4.3M |
| Q4 2025 | 94.14% | 90.77% | $0 | $4.3M |
| Q1 2026 | 93.26% | 90.77% | $0 | $4.3M |
| Q2 2026 | 96.64% | 92.13% | $0 | $3.3M |
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 25894) · FFIEC NIC profile (RSSD 944355)