The First National Bank of Frederick: 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 Loans and leases to core deposits: 2.28 percentage points higher than in Q1 2026, at 19.95%. The First National Bank of Frederick has the 1st lowest loan-to-deposit ratio of the 56 banks headquartered in South Dakota, at 16.87% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, The First National Bank of Frederick reported 16.87% on loan-to-deposit ratio in Q2 2026, 50.76 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.9M |
| 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 | 16.87% |
| Net loans and leases to deposits | 16.22% |
| Loans and leases to core deposits | 19.95% |
| Core deposits to total deposits | 84.57% |
| 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 | 24.84% | 89.09% | $0 | $0 |
| Q4 2023 | 29.10% | 92.75% | $0 | $0 |
| Q1 2024 | 26.86% | 89.31% | $0 | $5.2M |
| Q2 2024 | 23.53% | 86.64% | $0 | $5.2M |
| Q3 2024 | 23.33% | 87.03% | $0 | $0 |
| Q4 2024 | 31.66% | 88.05% | $0 | $0 |
| Q1 2025 | 17.19% | 88.16% | $0 | $0 |
| Q2 2025 | 21.45% | 84.79% | $0 | $0 |
| Q3 2025 | 24.83% | 82.90% | $0 | $0 |
| Q4 2025 | 35.16% | 81.34% | $200K | $0 |
| Q1 2026 | 14.95% | 84.63% | $0 | $0 |
| Q2 2026 | 16.87% | 84.57% | $0 | $0 |
The First National Bank of Frederick 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 of Frederick, 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 of Frederick profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3985) · FFIEC NIC profile (RSSD 288152)