Security 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: 8.26 percentage points higher than in Q1 2026, at 73.10%. Security State Bank ranks 11th of 23 Wyoming banks on loan-to-deposit ratio, in the upper half at 68.56% (Q2 2026). Security State Bank reported 68.56% on loan-to-deposit ratio for Q2 2026, 12.00 points below 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 | $7.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $167.8M |
| 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 | $5.8M |
| Other borrowed money | $19.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.56% |
| Net loans and leases to deposits | 67.66% |
| Loans and leases to core deposits | 73.10% |
| Core deposits to total deposits | 92.47% |
| Brokered deposits to total deposits | 1.32% |
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 | 54.15% | 87.44% | $27.4M | $14.8M |
| Q4 2023 | 52.45% | 88.05% | $20.9M | $34.8M |
| Q1 2024 | 52.65% | 91.54% | $6.8M | $36.2M |
| Q2 2024 | 56.25% | 92.95% | $8.2M | $36.2M |
| Q3 2024 | 59.75% | 93.68% | $7.2M | $33.4M |
| Q4 2024 | 57.00% | 89.14% | $9.5M | $2.9M |
| Q1 2025 | 55.46% | 87.66% | $7.6M | $2.9M |
| Q2 2025 | 59.79% | 88.49% | $11.4M | $2.9M |
| Q3 2025 | 59.26% | 84.86% | $5.1M | $0 |
| Q4 2025 | 57.90% | 88.47% | $5.1M | $0 |
| Q1 2026 | 61.16% | 91.71% | $5.1M | $0 |
| Q2 2026 | 68.56% | 92.47% | $5.8M | $19.3M |
Security State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12592) · FFIEC NIC profile (RSSD 955959)