Richland State 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.
Cash and balances due from depository institutions climbed 28.2% in Q2 2026, from $8.4M to $10.7M. It was the largest change from Q1 2026 among the key lines here. Richland State Bank ranks 50th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 43.69% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Richland State Bank sits 23.94 points lower, at 43.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.4M |
| 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 | 43.69% |
| Net loans and leases to deposits | 42.61% |
| Loans and leases to core deposits | 46.64% |
| Core deposits to total deposits | 93.67% |
| 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 | 48.48% | 97.77% | $0 | $0 |
| Q4 2023 | 48.07% | 96.99% | $0 | $0 |
| Q1 2024 | 46.64% | 96.79% | $0 | $0 |
| Q2 2024 | 44.96% | 96.29% | $0 | $0 |
| Q3 2024 | 47.81% | 95.43% | $0 | $0 |
| Q4 2024 | 55.45% | 94.70% | $0 | $0 |
| Q1 2025 | 49.89% | 94.58% | $0 | $0 |
| Q2 2025 | 52.21% | 94.57% | $0 | $0 |
| Q3 2025 | 53.69% | 92.29% | $0 | $0 |
| Q4 2025 | 58.45% | 92.91% | $0 | $0 |
| Q1 2026 | 44.05% | 91.92% | $0 | $0 |
| Q2 2026 | 43.69% | 93.67% | $0 | $0 |
Richland State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Richland State 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 Richland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1675) · FFIEC NIC profile (RSSD 83852)