Starion 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 Cash and noninterest-bearing balances to assets: 2.46 percentage points lower than in Q1 2026, at 10.40%. Within North Dakota, Starion Bank is 35th of 60 on loan-to-deposit ratio, 70.47% as of Q2 2026, below the middle of the field. Starion Bank reported 70.47% on loan-to-deposit ratio for Q2 2026, 17.73 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $218.2M |
| Cash and noninterest-bearing balances to assets | 10.40% |
| Cash and securities | $790.2M |
| 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 | $2.9M |
| Other borrowed money | $79.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.47% |
| Net loans and leases to deposits | 69.41% |
| Loans and leases to core deposits | 79.21% |
| Core deposits to total deposits | 88.55% |
| Brokered deposits to total deposits | 0.41% |
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 | 79.60% | 86.62% | $166.3M | $41.0M |
| Q4 2023 | 81.47% | 85.18% | $149.5M | $68.0M |
| Q1 2024 | 80.04% | 85.78% | $24.5M | $128.1M |
| Q2 2024 | 82.60% | 85.09% | $53.8M | $148.1M |
| Q3 2024 | 81.32% | 83.30% | $13.4M | $157.3M |
| Q4 2024 | 72.42% | 84.97% | $2.1M | $185.3M |
| Q1 2025 | 66.19% | 86.65% | $2.6M | $181.3M |
| Q2 2025 | 69.17% | 86.09% | $1.5M | $156.0M |
| Q3 2025 | 71.38% | 86.57% | $2.5M | $95.0M |
| Q4 2025 | 70.93% | 88.09% | $1.2M | $90.0M |
| Q1 2026 | 69.86% | 89.27% | $2.9M | $85.0M |
| Q2 2026 | 70.47% | 88.55% | $2.9M | $79.0M |
Starion Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Starion 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 Starion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33758) · FFIEC NIC profile (RSSD 2009605)