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.
Cash and balances due from depository institutions climbed 70.6% in Q2 2026, from $4.3M to $7.4M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, State Bank ranks 2nd highest among the 23 banks headquartered in Wyoming, at 88.98% (Q2 2026). State Bank reported 88.98% on loan-to-deposit ratio for Q2 2026, 8.42 points above 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 | $7.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $19.5M |
| Fed funds sold and reverse repos | $3.8M |
| Fed funds sold and reverse repos to assets | 3.29% |
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 | 88.98% |
| Net loans and leases to deposits | 87.78% |
| Loans and leases to core deposits | 99.15% |
| Core deposits to total deposits | 89.74% |
| Brokered deposits to total deposits | 4.82% |
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 | 87.82% | 93.29% | $0 | $0 |
| Q4 2023 | 95.43% | 92.99% | $0 | $0 |
| Q1 2024 | 95.52% | 90.19% | $0 | $0 |
| Q2 2024 | 94.24% | 82.98% | $0 | $0 |
| Q3 2024 | 92.70% | 83.62% | $0 | $0 |
| Q4 2024 | 96.27% | 90.75% | $0 | $0 |
| Q1 2025 | 96.24% | 89.20% | $0 | $0 |
| Q2 2025 | 89.20% | 87.36% | $0 | $0 |
| Q3 2025 | 90.92% | 88.29% | $0 | $0 |
| Q4 2025 | 94.74% | 90.04% | $0 | $0 |
| Q1 2026 | 91.57% | 90.24% | $0 | $0 |
| Q2 2026 | 88.98% | 89.74% | $0 | $0 |
State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34441) · FFIEC NIC profile (RSSD 2602828)