Security First Bank of North Dakota: 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 6.08 percentage points in Q2 2026, from 94.85% to 100.93%. It was the largest change from Q1 2026 among the key lines here. Security First Bank of North Dakota ranks 13th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 93.97% (Q2 2026). Security First Bank of North Dakota reported 93.97% on loan-to-deposit ratio for Q2 2026, 13.13 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $50.4M |
| Fed funds sold and reverse repos | $22.5M |
| Fed funds sold and reverse repos to assets | 7.67% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.2M |
| Other borrowed money | $44K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.97% |
| Net loans and leases to deposits | 92.64% |
| Loans and leases to core deposits | 100.93% |
| Core deposits to total deposits | 93.11% |
| 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 | 104.50% | 96.60% | $6.1M | $16.7M |
| Q4 2023 | 101.66% | 95.91% | $8.0M | $10.7M |
| Q1 2024 | 97.63% | 95.19% | $5.1M | $10.6M |
| Q2 2024 | 106.25% | 95.54% | $10.3M | $10.6M |
| Q3 2024 | 104.54% | 95.64% | $4.9M | $10.6M |
| Q4 2024 | 105.42% | 95.71% | $6.7M | $10.7M |
| Q1 2025 | 95.78% | 93.91% | $5.8M | $138K |
| Q2 2025 | 98.65% | 92.97% | $5.5M | $139K |
| Q3 2025 | 102.60% | 92.86% | $6.0M | $140K |
| Q4 2025 | 97.80% | 93.14% | $6.2M | $0 |
| Q1 2026 | 88.54% | 93.35% | $5.3M | $0 |
| Q2 2026 | 93.97% | 93.11% | $5.2M | $44K |
Security First Bank of North Dakota liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security First Bank of North Dakota, 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 First Bank of North Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11519) · FFIEC NIC profile (RSSD 693952)