First Security Bank - West: 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: 7.88 percentage points lower than in Q1 2026, at 33.54%. On loan-to-deposit ratio, First Security Bank - West is 1st from the bottom among 60 North Dakota banks, 32.36% (Q2 2026). First Security Bank - West's loan-to-deposit ratio of 32.36% is well below the 67.32% median for banks in the < $100M asset tier, a gap of 34.96 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.4M |
| Fed funds sold and reverse repos | $250K |
| Fed funds sold and reverse repos to assets | 0.33% |
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 | 32.36% |
| Net loans and leases to deposits | 31.97% |
| Loans and leases to core deposits | 33.54% |
| Core deposits to total deposits | 96.50% |
| 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 | 41.33% | 99.27% | $0 | $0 |
| Q4 2023 | 40.43% | 99.33% | $0 | $0 |
| Q1 2024 | 37.74% | 99.36% | $0 | $0 |
| Q2 2024 | 39.36% | 98.27% | $0 | $0 |
| Q3 2024 | 42.58% | 97.81% | $0 | $0 |
| Q4 2024 | 41.87% | 97.87% | $0 | $0 |
| Q1 2025 | 42.49% | 97.93% | $0 | $0 |
| Q2 2025 | 48.46% | 97.42% | $0 | $0 |
| Q3 2025 | 49.13% | 97.28% | $0 | $0 |
| Q4 2025 | 48.58% | 96.70% | $0 | $0 |
| Q1 2026 | 40.13% | 96.89% | $0 | $0 |
| Q2 2026 | 32.36% | 96.50% | $0 | $0 |
First Security Bank - West 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 - West, 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 - West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10253) · FFIEC NIC profile (RSSD 969059)