Reliabank 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.
Cash and balances due from depository institutions climbed 314.1% in Q2 2026, from $4.9M to $20.3M. It was the largest change from Q1 2026 among the key lines here. Reliabank Dakota ranks 27th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 79.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Reliabank Dakota reported 79.79% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $237.6M |
| Fed funds sold and reverse repos | $11.3M |
| Fed funds sold and reverse repos to assets | 1.43% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $55.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.79% |
| Net loans and leases to deposits | 79.14% |
| Loans and leases to core deposits | 88.06% |
| Core deposits to total deposits | 90.61% |
| Brokered deposits to total deposits | 3.01% |
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 | 72.47% | 86.35% | $0 | $107.8M |
| Q4 2023 | 77.26% | 86.93% | $0 | $140.8M |
| Q1 2024 | 73.34% | 87.28% | $0 | $93.8M |
| Q2 2024 | 74.61% | 87.19% | $0 | $93.8M |
| Q3 2024 | 73.67% | 86.22% | $0 | $85.8M |
| Q4 2024 | 71.60% | 86.16% | $0 | $83.2M |
| Q1 2025 | 73.83% | 89.14% | $0 | $70.8M |
| Q2 2025 | 76.70% | 89.46% | $0 | $71.4M |
| Q3 2025 | 79.78% | 89.85% | $0 | $77.9M |
| Q4 2025 | 77.34% | 90.62% | $0 | $71.4M |
| Q1 2026 | 80.17% | 90.38% | $0 | $54.5M |
| Q2 2026 | 79.79% | 90.61% | $0 | $55.0M |
Reliabank Dakota liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliabank 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 Reliabank Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16221) · FFIEC NIC profile (RSSD 108951)