Pioneer Bank & Trust: 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.
Cash and balances due from depository institutions climbed 49.3% in Q2 2026, from $61.6M to $92.0M. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Pioneer Bank & Trust is 42nd of 56 on loan-to-deposit ratio, 61.22% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Pioneer Bank & Trust sits 26.98 points lower, at 61.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $92.0M |
| Cash and noninterest-bearing balances to assets | 9.12% |
| Cash and securities | $418.5M |
| 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 | $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 | 61.22% |
| Net loans and leases to deposits | 60.52% |
| Loans and leases to core deposits | 66.77% |
| Core deposits to total deposits | 91.69% |
| 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 | 55.44% | 95.26% | $0 | $100.0M |
| Q4 2023 | 52.86% | 90.61% | $0 | $95.0M |
| Q1 2024 | 55.83% | 89.65% | $0 | $95.0M |
| Q2 2024 | 60.24% | 89.77% | $0 | $95.0M |
| Q3 2024 | 61.47% | 91.13% | $0 | $90.0M |
| Q4 2024 | 58.34% | 92.07% | $0 | $0 |
| Q1 2025 | 63.52% | 91.14% | $0 | $33.6M |
| Q2 2025 | 61.55% | 91.43% | $0 | $0 |
| Q3 2025 | 63.82% | 92.15% | $0 | $12.8M |
| Q4 2025 | 59.27% | 93.09% | $0 | $0 |
| Q1 2026 | 63.06% | 92.40% | $0 | $0 |
| Q2 2026 | 61.22% | 91.69% | $0 | $0 |
Pioneer Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank & Trust, 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 Pioneer Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15562) · FFIEC NIC profile (RSSD 65559)