Security State Bank of Warroad: 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 Fed funds sold and reverse repos: 87.5% lower than in Q1 2026, at $1.0M. Security State Bank of Warroad ranks 188th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 58.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Security State Bank of Warroad sits 22.77 points lower, at 58.07% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.3M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 0.72% |
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 | 58.07% |
| Net loans and leases to deposits | 56.34% |
| Loans and leases to core deposits | 60.71% |
| Core deposits to total deposits | 90.57% |
| Brokered deposits to total deposits | 5.10% |
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 | 52.42% | 83.69% | $0 | $0 |
| Q4 2023 | 51.65% | 83.55% | $0 | $0 |
| Q1 2024 | 54.18% | 81.78% | $0 | $0 |
| Q2 2024 | 54.56% | 81.78% | $0 | $0 |
| Q3 2024 | 53.95% | 81.84% | $0 | $0 |
| Q4 2024 | 51.70% | 83.29% | $0 | $0 |
| Q1 2025 | 50.47% | 83.40% | $0 | $0 |
| Q2 2025 | 53.82% | 85.87% | $0 | $0 |
| Q3 2025 | 53.73% | 85.92% | $0 | $0 |
| Q4 2025 | 53.96% | 87.29% | $0 | $0 |
| Q1 2026 | 55.58% | 88.27% | $0 | $0 |
| Q2 2026 | 58.07% | 90.57% | $0 | $0 |
Security State Bank of Warroad 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 of Warroad, 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 of Warroad profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9773) · FFIEC NIC profile (RSSD 868059)