Plains Commerce 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: 47.9% lower than in Q1 2026, at $62.0M. On loan-to-deposit ratio, Plains Commerce Bank ranks 5th highest among the 56 banks headquartered in South Dakota, at 100.55% (Q2 2026). Plains Commerce Bank reported 100.55% on loan-to-deposit ratio for Q2 2026, 12.35 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.2M |
| 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 | $62.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.55% |
| Net loans and leases to deposits | 99.58% |
| Loans and leases to core deposits | 109.84% |
| Core deposits to total deposits | 80.71% |
| Brokered deposits to total deposits | 10.84% |
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 | 102.77% | 81.44% | $0 | $100.0M |
| Q4 2023 | 107.93% | 80.23% | $0 | $160.0M |
| Q1 2024 | 105.24% | 76.78% | $0 | $110.0M |
| Q2 2024 | 110.42% | 76.87% | $0 | $161.0M |
| Q3 2024 | 102.48% | 75.52% | $0 | $82.0M |
| Q4 2024 | 103.70% | 74.58% | $0 | $113.0M |
| Q1 2025 | 102.66% | 78.81% | $0 | $98.0M |
| Q2 2025 | 101.17% | 76.05% | $0 | $86.0M |
| Q3 2025 | 103.97% | 76.87% | $0 | $104.0M |
| Q4 2025 | 103.79% | 76.30% | $0 | $102.0M |
| Q1 2026 | 104.24% | 77.98% | $0 | $119.0M |
| Q2 2026 | 100.55% | 80.71% | $0 | $62.0M |
Plains Commerce Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Plains Commerce 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 Plains Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1678) · FFIEC NIC profile (RSSD 593052)