Peoples State Bank, Fairmount, North Dakota: 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.
Fed funds sold and reverse repos to assets dropped 7.30 percentage points in Q2 2026, from 15.03% to 7.73%. It was the largest change from Q1 2026 among the key lines here. Peoples State Bank, Fairmount, North Dakota ranks 41st of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 64.73% (Q2 2026). Peoples State Bank, Fairmount, North Dakota reported 64.73% on loan-to-deposit ratio for Q2 2026, 2.89 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $14.7M |
| Fed funds sold and reverse repos | $3.0M |
| Fed funds sold and reverse repos to assets | 7.73% |
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 | 64.73% |
| Net loans and leases to deposits | 64.03% |
| Loans and leases to core deposits | 65.26% |
| Core deposits to total deposits | 99.19% |
| 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 | 81.09% | 100.00% | $330K | $0 |
| Q4 2023 | 74.48% | 95.42% | $0 | $0 |
| Q1 2024 | 60.21% | 87.96% | $0 | $0 |
| Q2 2024 | 71.12% | 93.49% | $0 | $0 |
| Q3 2024 | 67.59% | 90.57% | $0 | $0 |
| Q4 2024 | 68.75% | 96.33% | $0 | $0 |
| Q1 2025 | 57.42% | 96.43% | $0 | $0 |
| Q2 2025 | 60.90% | 97.93% | $0 | $0 |
| Q3 2025 | 62.14% | 97.89% | $0 | $0 |
| Q4 2025 | 69.90% | 97.84% | $0 | $0 |
| Q1 2026 | 58.48% | 99.23% | $0 | $0 |
| Q2 2026 | 64.73% | 99.19% | $0 | $0 |
Peoples State Bank, Fairmount, North Dakota liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank, Fairmount, North Dakota, 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 Peoples State Bank, Fairmount, North Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17174) · FFIEC NIC profile (RSSD 838155)