Kirkwood Bank and Trust Company: 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 Loans and leases to core deposits: 5.94 percentage points higher than in Q1 2026, at 81.76%. Within North Dakota, Kirkwood Bank and Trust Company is 34th of 60 on loan-to-deposit ratio, 72.02% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Kirkwood Bank and Trust Company sits 8.82 points lower, at 72.02% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $114.1M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 1.42% |
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 | 72.02% |
| Net loans and leases to deposits | 71.13% |
| Loans and leases to core deposits | 81.76% |
| Core deposits to total deposits | 88.08% |
| 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 | 65.24% | 91.66% | $0 | $2.5M |
| Q4 2023 | 62.69% | 91.64% | $0 | $2.5M |
| Q1 2024 | 63.43% | 90.82% | $0 | $2.5M |
| Q2 2024 | 64.74% | 89.79% | $0 | $2.5M |
| Q3 2024 | 65.99% | 89.73% | $0 | $2.5M |
| Q4 2024 | 64.80% | 90.04% | $0 | $2.5M |
| Q1 2025 | 65.49% | 89.85% | $0 | $0 |
| Q2 2025 | 68.17% | 89.62% | $0 | $0 |
| Q3 2025 | 70.17% | 90.28% | $0 | $0 |
| Q4 2025 | 63.65% | 89.86% | $0 | $0 |
| Q1 2026 | 67.45% | 88.95% | $0 | $0 |
| Q2 2026 | 72.02% | 88.08% | $0 | $0 |
Kirkwood Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kirkwood Bank and Trust Company, 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 Kirkwood Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21928) · FFIEC NIC profile (RSSD 908450)