Security Bank & Trust Company: 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 dropped 1.40 percentage points in Q2 2026, from 80.04% to 78.64%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Security Bank & Trust Company is 152nd of 221 on loan-to-deposit ratio, 72.07% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Security Bank & Trust Company sits 16.13 points lower, at 72.07% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $443.6M |
| Fed funds sold and reverse repos | $2.9M |
| Fed funds sold and reverse repos to assets | 0.22% |
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 | 72.07% |
| Net loans and leases to deposits | 71.34% |
| Loans and leases to core deposits | 78.64% |
| Core deposits to total deposits | 91.64% |
| 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 | 65.17% | 94.74% | $0 | $0 |
| Q4 2023 | 67.84% | 94.02% | $0 | $0 |
| Q1 2024 | 70.13% | 92.30% | $0 | $0 |
| Q2 2024 | 81.78% | 91.82% | $0 | $0 |
| Q3 2024 | 80.75% | 91.28% | $0 | $0 |
| Q4 2024 | 75.28% | 91.08% | $0 | $0 |
| Q1 2025 | 72.47% | 90.87% | $0 | $0 |
| Q2 2025 | 75.17% | 90.69% | $0 | $0 |
| Q3 2025 | 70.54% | 91.92% | $0 | $0 |
| Q4 2025 | 72.84% | 91.44% | $0 | $0 |
| Q1 2026 | 72.97% | 91.16% | $0 | $0 |
| Q2 2026 | 72.07% | 91.64% | $0 | $0 |
Security Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15324) · FFIEC NIC profile (RSSD 1001059)