Lincoln 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.
Loans and leases to core deposits climbed 2.39 percentage points in Q2 2026, from 62.46% to 64.86%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Lincoln State Bank is 44th of 60 on loan-to-deposit ratio, 59.59% as of Q2 2026, below the middle of the field. Lincoln State Bank reported 59.59% on loan-to-deposit ratio for Q2 2026, 21.25 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 | $6.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.6M |
| 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 | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.37% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.59% |
| Net loans and leases to deposits | 58.70% |
| Loans and leases to core deposits | 64.86% |
| Core deposits to total deposits | 91.88% |
| 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 | 60.56% | 95.68% | $0 | $6.2M |
| Q4 2023 | 62.64% | 96.33% | $0 | $6.2M |
| Q1 2024 | 60.39% | 94.79% | $0 | $1.0M |
| Q2 2024 | 66.59% | 93.01% | $0 | $8.3M |
| Q3 2024 | 64.86% | 93.03% | $0 | $6.6M |
| Q4 2024 | 62.23% | 93.07% | $0 | $2.5M |
| Q1 2025 | 57.34% | 93.79% | $0 | $2.5M |
| Q2 2025 | 62.59% | 92.25% | $0 | $3.2M |
| Q3 2025 | 66.37% | 91.44% | $0 | $11.4M |
| Q4 2025 | 67.38% | 91.29% | $0 | $9.9M |
| Q1 2026 | 57.38% | 91.87% | $0 | $3.0M |
| Q2 2026 | 59.59% | 91.88% | $0 | $3.0M |
Lincoln State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lincoln 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 Lincoln State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8390) · FFIEC NIC profile (RSSD 667551)