Kodabank: 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: 2.79 percentage points higher than in Q1 2026, at 103.69%. Kodabank ranks 17th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 89.25% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Kodabank sits 8.69 points higher, at 89.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $56.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $104.0M |
| Fed funds sold and reverse repos | $300K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.25% |
| Net loans and leases to deposits | 88.22% |
| Loans and leases to core deposits | 103.69% |
| Core deposits to total deposits | 81.94% |
| Brokered deposits to total deposits | 4.14% |
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 | 97.86% | 86.70% | $0 | $36.8M |
| Q4 2023 | 85.50% | 87.74% | $0 | $18.0M |
| Q1 2024 | 88.32% | 86.52% | $0 | $18.0M |
| Q2 2024 | 93.35% | 84.32% | $0 | $18.0M |
| Q3 2024 | 91.87% | 83.63% | $0 | $15.0M |
| Q4 2024 | 86.60% | 84.54% | $0 | $15.0M |
| Q1 2025 | 83.69% | 83.26% | $0 | $15.0M |
| Q2 2025 | 92.27% | 83.55% | $0 | $15.0M |
| Q3 2025 | 94.62% | 84.21% | $0 | $15.0M |
| Q4 2025 | 93.38% | 85.34% | $0 | $15.0M |
| Q1 2026 | 87.53% | 82.71% | $0 | $15.0M |
| Q2 2026 | 89.25% | 81.94% | $0 | $15.0M |
Kodabank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kodabank, 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 Kodabank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8386) · FFIEC NIC profile (RSSD 803957)