Kindred State 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.
Fed funds sold and reverse repos to assets dropped 9.42 percentage points in Q2 2026, from 20.73% to 11.30%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Kindred State Bank is 46th of 60 on loan-to-deposit ratio, 57.02% as of Q2 2026. Kindred State Bank reported 57.02% on loan-to-deposit ratio for Q2 2026, 10.31 points below the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.4M |
| Fed funds sold and reverse repos | $4.9M |
| Fed funds sold and reverse repos to assets | 11.30% |
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 | 57.02% |
| Net loans and leases to deposits | 56.64% |
| Loans and leases to core deposits | 58.76% |
| Core deposits to total deposits | 97.04% |
| 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 | 54.37% | 100.00% | $0 | $0 |
| Q4 2023 | 50.32% | 99.35% | $0 | $0 |
| Q1 2024 | 51.11% | 99.40% | $0 | $0 |
| Q2 2024 | 63.53% | 99.27% | $0 | $0 |
| Q3 2024 | 66.63% | 99.24% | $0 | $0 |
| Q4 2024 | 54.44% | 99.31% | $0 | $0 |
| Q1 2025 | 47.85% | 99.38% | $0 | $0 |
| Q2 2025 | 55.44% | 96.78% | $0 | $0 |
| Q3 2025 | 64.89% | 96.28% | $0 | $0 |
| Q4 2025 | 55.73% | 98.37% | $0 | $0 |
| Q1 2026 | 50.46% | 98.53% | $0 | $0 |
| Q2 2026 | 57.02% | 97.04% | $0 | $0 |
Kindred State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kindred State 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 Kindred State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8946) · FFIEC NIC profile (RSSD 816751)