First United Bank: 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: 66.4% lower than in Q1 2026, at $17.1M. First United Bank ranks 27th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 82.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First United Bank sits 2.43 points higher, at 82.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $189.7M |
| 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 | $19.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.99% |
| Net loans and leases to deposits | 81.91% |
| Loans and leases to core deposits | 91.05% |
| Core deposits to total deposits | 89.72% |
| Brokered deposits to total deposits | 1.42% |
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 | 80.53% | 92.70% | $59.0M | $12.5M |
| Q4 2023 | 79.40% | 92.10% | $35.0M | $12.5M |
| Q1 2024 | 79.48% | 91.12% | $35.0M | $12.4M |
| Q2 2024 | 86.55% | 91.17% | $56.4M | $12.4M |
| Q3 2024 | 85.35% | 82.62% | $37.0M | $19.3M |
| Q4 2024 | 84.58% | 84.30% | $0 | $45.3M |
| Q1 2025 | 78.94% | 85.23% | $0 | $19.3M |
| Q2 2025 | 84.50% | 86.79% | $0 | $30.2M |
| Q3 2025 | 86.64% | 85.58% | $0 | $40.6M |
| Q4 2025 | 85.72% | 85.84% | $0 | $22.9M |
| Q1 2026 | 81.62% | 88.97% | $0 | $19.2M |
| Q2 2026 | 82.99% | 89.72% | $0 | $19.1M |
First United Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First United Bank, 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15472) · FFIEC NIC profile (RSSD 1011955)