The First National Bank in Sioux Falls: 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.
Fed funds purchased and repos dropped 61.6% in Q2 2026, from $2.0M to $775K. It was the largest change from Q1 2026 among the key lines here. The First National Bank in Sioux Falls ranks 18th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 89.90% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; The First National Bank in Sioux Falls reported 89.90% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $70.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $448.9M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $775K |
| Other borrowed money | $110.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.90% |
| Net loans and leases to deposits | 88.59% |
| Loans and leases to core deposits | 96.96% |
| Core deposits to total deposits | 88.27% |
| Brokered deposits to total deposits | 4.44% |
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 | 85.67% | 94.40% | $379K | $85.0M |
| Q4 2023 | 80.96% | 93.91% | $545K | $85.0M |
| Q1 2024 | 84.38% | 93.84% | $5.7M | $205.0M |
| Q2 2024 | 88.51% | 94.19% | $2.7M | $155.0M |
| Q3 2024 | 87.56% | 89.97% | $1.5M | $171.0M |
| Q4 2024 | 86.52% | 87.61% | $1.4M | $105.0M |
| Q1 2025 | 90.50% | 86.94% | $5.9M | $155.0M |
| Q2 2025 | 90.52% | 86.52% | $2.2M | $155.0M |
| Q3 2025 | 93.31% | 85.98% | $3.1M | $180.0M |
| Q4 2025 | 90.02% | 88.30% | $839K | $140.0M |
| Q1 2026 | 88.44% | 88.54% | $2.0M | $110.0M |
| Q2 2026 | 89.90% | 88.27% | $775K | $110.0M |
The First National Bank in Sioux Falls liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Sioux Falls, 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 The First National Bank in Sioux Falls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4016) · FFIEC NIC profile (RSSD 326858)