Liberty 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 53.6% lower than in Q1 2026, at $6.5M. Liberty State Bank has the 4th lowest loan-to-deposit ratio of the 60 banks headquartered in North Dakota, at 41.48% as of Q2 2026. Liberty State Bank reported 41.48% on loan-to-deposit ratio for Q2 2026, 39.36 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $98.5M |
| Fed funds sold and reverse repos | $6.5M |
| Fed funds sold and reverse repos to assets | 4.09% |
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 | 41.48% |
| Net loans and leases to deposits | 40.74% |
| Loans and leases to core deposits | 50.05% |
| Core deposits to total deposits | 82.87% |
| 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 | 41.11% | 82.73% | $0 | $5.0M |
| Q4 2023 | 43.40% | 83.00% | $0 | $4.0M |
| Q1 2024 | 39.30% | 82.97% | $0 | $4.0M |
| Q2 2024 | 42.59% | 82.54% | $0 | $4.0M |
| Q3 2024 | 41.12% | 81.83% | $0 | $4.0M |
| Q4 2024 | 37.90% | 81.32% | $0 | $2.0M |
| Q1 2025 | 37.21% | 82.19% | $0 | $2.0M |
| Q2 2025 | 42.42% | 81.37% | $0 | $2.0M |
| Q3 2025 | 42.71% | 81.33% | $0 | $2.0M |
| Q4 2025 | 41.73% | 81.77% | $0 | $0 |
| Q1 2026 | 39.24% | 81.70% | $0 | $0 |
| Q2 2026 | 41.48% | 82.87% | $0 | $0 |
Liberty State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty 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 Liberty State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17096) · FFIEC NIC profile (RSSD 883351)