Security Bank USA: 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 Cash and balances due from depository institutions: 57.7% lower than in Q1 2026, at $14.8M. Security Bank USA ranks 109th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 81.60% (Q2 2026). At 81.60%, Security Bank USA's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $60.8M |
| 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 | $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 | 81.60% |
| Net loans and leases to deposits | 80.55% |
| Loans and leases to core deposits | 88.78% |
| Core deposits to total deposits | 91.91% |
| 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 | 76.62% | 93.16% | $0 | $0 |
| Q4 2023 | 78.83% | 92.57% | $0 | $0 |
| Q1 2024 | 75.52% | 92.70% | $0 | $0 |
| Q2 2024 | 77.46% | 92.17% | $0 | $0 |
| Q3 2024 | 74.82% | 91.85% | $0 | $0 |
| Q4 2024 | 77.84% | 92.15% | $0 | $0 |
| Q1 2025 | 77.66% | 91.91% | $0 | $0 |
| Q2 2025 | 78.79% | 92.54% | $0 | $0 |
| Q3 2025 | 81.43% | 92.39% | $0 | $0 |
| Q4 2025 | 77.79% | 91.38% | $0 | $0 |
| Q1 2026 | 75.86% | 90.76% | $0 | $0 |
| Q2 2026 | 81.60% | 91.91% | $0 | $0 |
Security Bank USA liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank USA, 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 USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1604) · FFIEC NIC profile (RSSD 950758)