First Security Bank of Roundup: 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 Fed funds sold and reverse repos: 27.3% higher than in Q1 2026, at $4.2M. On loan-to-deposit ratio, First Security Bank of Roundup is 4th from the bottom among 35 Montana banks, 38.45% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Security Bank of Roundup sits 29.18 points lower, at 38.45% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $60.5M |
| Fed funds sold and reverse repos | $4.2M |
| Fed funds sold and reverse repos to assets | 4.44% |
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 | 38.45% |
| Net loans and leases to deposits | 37.65% |
| Loans and leases to core deposits | 39.29% |
| Core deposits to total deposits | 97.87% |
| 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 | 35.26% | 97.83% | $0 | $0 |
| Q4 2023 | 31.81% | 97.93% | $0 | $0 |
| Q1 2024 | 34.94% | 97.78% | $0 | $0 |
| Q2 2024 | 37.65% | 97.74% | $0 | $0 |
| Q3 2024 | 40.85% | 98.20% | $0 | $0 |
| Q4 2024 | 32.90% | 98.45% | $0 | $0 |
| Q1 2025 | 35.32% | 98.07% | $0 | $0 |
| Q2 2025 | 37.73% | 98.07% | $0 | $0 |
| Q3 2025 | 41.16% | 97.99% | $0 | $0 |
| Q4 2025 | 33.71% | 98.17% | $0 | $0 |
| Q1 2026 | 36.08% | 97.84% | $0 | $0 |
| Q2 2026 | 38.45% | 97.87% | $0 | $0 |
First Security Bank of Roundup liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank of Roundup, 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 Security Bank of Roundup profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20479) · FFIEC NIC profile (RSSD 625056)