One American 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 Other borrowed money to assets: 17.21 percentage points lower than in Q1 2026, at 8.07%. Within South Dakota, One American Bank is 6th of 56 on loan-to-deposit ratio, 97.54% as of Q2 2026, above the middle of the field. One American Bank reported 97.54% on loan-to-deposit ratio for Q2 2026, 16.60 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.7M |
| Cash and noninterest-bearing balances to assets | 11.82% |
| Cash and securities | $53.8M |
| 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 | $23.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.54% |
| Net loans and leases to deposits | 95.40% |
| Loans and leases to core deposits | 111.68% |
| Core deposits to total deposits | 86.99% |
| Brokered deposits to total deposits | 0.35% |
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 | 108.86% | 86.67% | $0 | $112.4M |
| Q4 2023 | 108.26% | 84.52% | $0 | $92.2M |
| Q1 2024 | 101.60% | 88.25% | $0 | $92.1M |
| Q2 2024 | 112.02% | 86.61% | $0 | $91.8M |
| Q3 2024 | 110.14% | 86.87% | $0 | $91.7M |
| Q4 2024 | 109.94% | 86.30% | $0 | $91.6M |
| Q1 2025 | 114.30% | 87.71% | $0 | $91.5M |
| Q2 2025 | 111.60% | 86.07% | $0 | $91.4M |
| Q3 2025 | 116.38% | 86.97% | $0 | $91.3M |
| Q4 2025 | 118.50% | 85.02% | $0 | $91.2M |
| Q1 2026 | 111.79% | 87.59% | $0 | $91.1M |
| Q2 2026 | 97.54% | 86.99% | $0 | $23.0M |
One American Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock One American 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 One American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6078) · FFIEC NIC profile (RSSD 95051)