Security Bank Midwest: 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: 9.16 percentage points higher than in Q1 2026, at 103.55%. Within South Dakota, Security Bank Midwest is 16th of 56 on loan-to-deposit ratio, 90.35% as of Q2 2026. Security Bank Midwest reported 90.35% on loan-to-deposit ratio for Q2 2026, 9.79 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $71.8M |
| 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 | $35.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.35% |
| Net loans and leases to deposits | 89.11% |
| Loans and leases to core deposits | 103.55% |
| Core deposits to total deposits | 80.38% |
| Brokered deposits to total deposits | 6.87% |
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 | 88.72% | 78.16% | $0 | $31.0M |
| Q4 2023 | 93.26% | 75.39% | $0 | $47.0M |
| Q1 2024 | 83.50% | 69.98% | $0 | $44.0M |
| Q2 2024 | 84.33% | 70.80% | $0 | $43.0M |
| Q3 2024 | 87.14% | 72.73% | $0 | $50.5M |
| Q4 2024 | 91.10% | 71.48% | $0 | $60.0M |
| Q1 2025 | 86.54% | 70.72% | $0 | $48.0M |
| Q2 2025 | 86.31% | 77.68% | $0 | $45.0M |
| Q3 2025 | 92.16% | 79.54% | $0 | $62.0M |
| Q4 2025 | 89.19% | 77.51% | $0 | $53.5M |
| Q1 2026 | 86.91% | 81.16% | $4.0M | $41.1M |
| Q2 2026 | 90.35% | 80.38% | $0 | $35.1M |
Security Bank Midwest liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank Midwest, 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 Security Bank Midwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 485) · FFIEC NIC profile (RSSD 435255)