First National Bank in Philip: 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.
Cash and balances due from depository institutions dropped 42.6% in Q2 2026, from $61.0M to $35.0M. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, First National Bank in Philip is 35th of 56 on loan-to-deposit ratio, 70.18% as of Q2 2026, below the middle of the field. First National Bank in Philip reported 70.18% on loan-to-deposit ratio for Q2 2026, 10.66 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 | $35.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $161.2M |
| 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 | $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 | 70.18% |
| Net loans and leases to deposits | 69.22% |
| Loans and leases to core deposits | 73.18% |
| Core deposits to total deposits | 88.65% |
| Brokered deposits to total deposits | 7.25% |
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 | 75.81% | 88.47% | $0 | $2.0M |
| Q4 2023 | 68.11% | 89.66% | $0 | $0 |
| Q1 2024 | 72.85% | 90.78% | $0 | $0 |
| Q2 2024 | 79.91% | 90.11% | $0 | $0 |
| Q3 2024 | 78.27% | 90.02% | $0 | $0 |
| Q4 2024 | 63.55% | 91.08% | $0 | $0 |
| Q1 2025 | 64.00% | 88.27% | $0 | $0 |
| Q2 2025 | 73.59% | 87.93% | $0 | $0 |
| Q3 2025 | 76.45% | 87.45% | $0 | $0 |
| Q4 2025 | 60.33% | 90.02% | $0 | $0 |
| Q1 2026 | 66.87% | 89.22% | $0 | $0 |
| Q2 2026 | 70.18% | 88.65% | $0 | $0 |
First National Bank in Philip 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 in Philip, 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 in Philip profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3999) · FFIEC NIC profile (RSSD 538754)