First State Bank & Trust: 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 Cash and balances due from depository institutions: 14.7% lower than in Q1 2026, at $31.9M. First State Bank & Trust ranks 53rd of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 45.43% (Q2 2026). First State Bank & Trust reported 45.43% on loan-to-deposit ratio for Q2 2026, 35.13 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $318.6M |
| 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 | $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 | 45.43% |
| Net loans and leases to deposits | 44.73% |
| Loans and leases to core deposits | 51.92% |
| Core deposits to total deposits | 87.50% |
| 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 | 40.27% | 91.76% | $13.0M | $0 |
| Q4 2023 | 42.12% | 89.59% | $7.5M | $0 |
| Q1 2024 | 39.32% | 88.72% | $0 | $0 |
| Q2 2024 | 41.01% | 90.60% | $0 | $0 |
| Q3 2024 | 40.97% | 91.08% | $0 | $0 |
| Q4 2024 | 40.24% | 89.19% | $0 | $0 |
| Q1 2025 | 38.49% | 88.29% | $0 | $0 |
| Q2 2025 | 41.67% | 88.14% | $0 | $0 |
| Q3 2025 | 43.48% | 87.24% | $0 | $0 |
| Q4 2025 | 45.98% | 86.90% | $0 | $0 |
| Q1 2026 | 45.26% | 87.83% | $0 | $0 |
| Q2 2026 | 45.43% | 87.50% | $0 | $0 |
First State Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14801) · FFIEC NIC profile (RSSD 248455)