Rolette 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.
Loans and leases to core deposits climbed 12.15 percentage points in Q2 2026, from 77.79% to 89.94%. It was the largest change from Q1 2026 among the key lines here. Rolette State Bank ranks 30th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 81.21% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Rolette State Bank sits 13.88 points higher, at 81.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.6M |
| Fed funds sold and reverse repos | $6.0M |
| Fed funds sold and reverse repos to assets | 11.65% |
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 | 81.21% |
| Net loans and leases to deposits | 80.41% |
| Loans and leases to core deposits | 89.94% |
| Core deposits to total deposits | 90.29% |
| 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 | 85.99% | 93.51% | $0 | $3.5M |
| Q4 2023 | 91.50% | 93.35% | $600K | $4.5M |
| Q1 2024 | 82.06% | 92.57% | $0 | $5.4M |
| Q2 2024 | 89.11% | 91.73% | $0 | $4.2M |
| Q3 2024 | 96.00% | 91.48% | $0 | $4.9M |
| Q4 2024 | 85.68% | 91.42% | $0 | $1.0M |
| Q1 2025 | 80.86% | 90.98% | $0 | $0 |
| Q2 2025 | 84.68% | 90.94% | $0 | $0 |
| Q3 2025 | 83.95% | 90.27% | $0 | $0 |
| Q4 2025 | 79.27% | 88.91% | $0 | $0 |
| Q1 2026 | 69.67% | 89.56% | $0 | $0 |
| Q2 2026 | 81.21% | 90.29% | $0 | $0 |
Rolette State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rolette 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 Rolette State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9120) · FFIEC NIC profile (RSSD 1012457)