Sandhills 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.48 percentage points higher than in Q1 2026, at 85.72%. Sandhills State Bank ranks 93rd of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 80.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Sandhills State Bank reported 80.22% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.4M |
| Fed funds sold and reverse repos | $120K |
| Fed funds sold and reverse repos to assets | 0.03% |
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 | 80.22% |
| Net loans and leases to deposits | 79.35% |
| Loans and leases to core deposits | 85.72% |
| Core deposits to total deposits | 93.56% |
| Brokered deposits to total deposits | 0.88% |
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 | 85.89% | 79.96% | $0 | $17.1M |
| Q4 2023 | 86.33% | 81.14% | $0 | $18.6M |
| Q1 2024 | 82.62% | 81.72% | $0 | $1.8M |
| Q2 2024 | 88.02% | 81.75% | $0 | $16.7M |
| Q3 2024 | 82.40% | 79.60% | $0 | $2.2M |
| Q4 2024 | 84.91% | 80.87% | $0 | $0 |
| Q1 2025 | 83.56% | 90.08% | $0 | $10.2M |
| Q2 2025 | 88.14% | 90.99% | $0 | $21.7M |
| Q3 2025 | 77.37% | 92.64% | $0 | $0 |
| Q4 2025 | 75.55% | 93.87% | $0 | $0 |
| Q1 2026 | 77.07% | 93.70% | $0 | $0 |
| Q2 2026 | 80.22% | 93.56% | $0 | $0 |
Sandhills State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sandhills 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 Sandhills State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13892) · FFIEC NIC profile (RSSD 987259)