First National Bank and Trust Company of Bottineau: 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 5.36 percentage points in Q2 2026, from 55.54% to 60.90%. It was the largest change from Q1 2026 among the key lines here. First National Bank and Trust Company of Bottineau ranks 47th of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 56.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank and Trust Company of Bottineau sits 24.56 points lower, at 56.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $90.1M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.28% |
| Net loans and leases to deposits | 54.89% |
| Loans and leases to core deposits | 60.90% |
| Core deposits to total deposits | 92.40% |
| 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 | 59.39% | 95.78% | $0 | $8.0M |
| Q4 2023 | 57.16% | 95.15% | $0 | $0 |
| Q1 2024 | 51.24% | 95.21% | $0 | $0 |
| Q2 2024 | 59.62% | 94.79% | $0 | $0 |
| Q3 2024 | 65.59% | 93.92% | $0 | $2.9M |
| Q4 2024 | 62.94% | 93.86% | $0 | $0 |
| Q1 2025 | 50.65% | 94.54% | $0 | $0 |
| Q2 2025 | 59.90% | 93.74% | $0 | $0 |
| Q3 2025 | 66.65% | 93.89% | $0 | $3.9M |
| Q4 2025 | 65.02% | 93.88% | $0 | $0 |
| Q1 2026 | 51.39% | 92.52% | $0 | $0 |
| Q2 2026 | 56.28% | 92.40% | $0 | $0 |
First National Bank and Trust Company of Bottineau 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 and Trust Company of Bottineau, 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 and Trust Company of Bottineau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3902) · FFIEC NIC profile (RSSD 974558)