The 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.
Loans and leases to core deposits dropped 6.12 percentage points in Q2 2026, from 39.58% to 33.45%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Security State Bank is 3rd from the bottom among 56 South Dakota banks, 32.44% (Q2 2026). The Security State Bank's loan-to-deposit ratio of 32.44% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 35.18 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.6M |
| Fed funds sold and reverse repos | $2.2M |
| Fed funds sold and reverse repos to assets | 3.44% |
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 | 32.44% |
| Net loans and leases to deposits | 32.11% |
| Loans and leases to core deposits | 33.45% |
| Core deposits to total deposits | 96.97% |
| 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 | 30.29% | 97.42% | $0 | $0 |
| Q4 2023 | 29.46% | 97.38% | $0 | $0 |
| Q1 2024 | 32.83% | 95.28% | $0 | $0 |
| Q2 2024 | 34.09% | 94.79% | $0 | $0 |
| Q3 2024 | 35.49% | 92.95% | $0 | $0 |
| Q4 2024 | 37.02% | 94.99% | $0 | $0 |
| Q1 2025 | 36.14% | 94.47% | $0 | $0 |
| Q2 2025 | 36.71% | 95.74% | $0 | $0 |
| Q3 2025 | 38.54% | 95.53% | $0 | $0 |
| Q4 2025 | 40.70% | 96.16% | $0 | $0 |
| Q1 2026 | 38.07% | 96.18% | $0 | $0 |
| Q2 2026 | 32.44% | 96.97% | $0 | $0 |
The 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 The 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 The Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15749) · FFIEC NIC profile (RSSD 285553)