State Bank of Bern: 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: 26.4% lower than in Q1 2026, at $8.5M. Within Kansas, State Bank of Bern is 129th of 182 on loan-to-deposit ratio, 65.17% as of Q2 2026, below the middle of the field. State Bank of Bern reported 65.17% on loan-to-deposit ratio for Q2 2026, 15.78 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.2M |
| Fed funds sold and reverse repos | $8.5M |
| Fed funds sold and reverse repos to assets | 6.62% |
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 | 65.17% |
| Net loans and leases to deposits | 64.26% |
| Loans and leases to core deposits | 75.15% |
| Core deposits to total deposits | 86.72% |
| 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 | 59.57% | 91.56% | $0 | $0 |
| Q4 2023 | 64.43% | 91.60% | $0 | $0 |
| Q1 2024 | 58.49% | 91.01% | $0 | $0 |
| Q2 2024 | 59.80% | 90.77% | $0 | $0 |
| Q3 2024 | 62.38% | 89.80% | $0 | $0 |
| Q4 2024 | 66.78% | 89.28% | $0 | $0 |
| Q1 2025 | 63.28% | 89.96% | $0 | $0 |
| Q2 2025 | 64.68% | 89.65% | $0 | $0 |
| Q3 2025 | 66.69% | 88.25% | $0 | $0 |
| Q4 2025 | 70.72% | 88.20% | $0 | $0 |
| Q1 2026 | 65.94% | 88.05% | $0 | $0 |
| Q2 2026 | 65.17% | 86.72% | $0 | $0 |
State Bank of Bern liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bern, 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 of Bern profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10919) · FFIEC NIC profile (RSSD 1013650)