Frontier 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: 137.0% higher than in Q1 2026, at $8.7M. Frontier Bank ranks 28th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 74.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Frontier Bank sits 6.27 points lower, at 74.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.4M |
| 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 | 74.57% |
| Net loans and leases to deposits | 73.71% |
| Loans and leases to core deposits | 83.02% |
| Core deposits to total deposits | 69.78% |
| Brokered deposits to total deposits | 20.03% |
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 | 70.88% | 83.77% | $0 | $23.8M |
| Q4 2023 | 73.82% | 77.35% | $0 | $29.5M |
| Q1 2024 | 72.07% | 74.87% | $0 | $25.0M |
| Q2 2024 | 72.43% | 76.71% | $0 | $20.0M |
| Q3 2024 | 69.87% | 77.61% | $0 | $20.0M |
| Q4 2024 | 73.33% | 73.52% | $0 | $14.1M |
| Q1 2025 | 74.68% | 72.20% | $0 | $14.4M |
| Q2 2025 | 76.10% | 71.89% | $0 | $12.0M |
| Q3 2025 | 71.97% | 70.16% | $0 | $0 |
| Q4 2025 | 74.73% | 68.62% | $0 | $6.0M |
| Q1 2026 | 76.73% | 69.19% | $0 | $5.6M |
| Q2 2026 | 74.57% | 69.78% | $0 | $0 |
Frontier Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Frontier 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 Frontier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33922) · FFIEC NIC profile (RSSD 2218443)