First State Bank of Harvey: 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 to assets: 11.95 percentage points lower than in Q1 2026, at 0.00%. First State Bank of Harvey has the 5th lowest loan-to-deposit ratio of the 60 banks headquartered in North Dakota, at 41.60% as of Q2 2026. First State Bank of Harvey reported 41.60% on loan-to-deposit ratio for Q2 2026, 26.33 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.6M |
| 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 | $1.1M |
| 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 | 41.60% |
| Net loans and leases to deposits | 41.17% |
| Loans and leases to core deposits | 44.22% |
| Core deposits to total deposits | 94.06% |
| 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 | 39.59% | 96.49% | $1.5M | $0 |
| Q4 2023 | 37.70% | 96.48% | $0 | $0 |
| Q1 2024 | 33.56% | 95.02% | $0 | $0 |
| Q2 2024 | 37.14% | 94.50% | $0 | $0 |
| Q3 2024 | 40.53% | 93.51% | $0 | $0 |
| Q4 2024 | 40.16% | 94.22% | $0 | $0 |
| Q1 2025 | 31.79% | 92.45% | $0 | $0 |
| Q2 2025 | 37.33% | 92.69% | $0 | $0 |
| Q3 2025 | 39.28% | 93.01% | $0 | $0 |
| Q4 2025 | 42.32% | 93.23% | $0 | $0 |
| Q1 2026 | 34.59% | 93.56% | $0 | $0 |
| Q2 2026 | 41.60% | 94.06% | $1.1M | $0 |
First State Bank of Harvey liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Harvey, 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 State Bank of Harvey profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8383) · FFIEC NIC profile (RSSD 997557)