State Bank of Bottineau: 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 climbed 7.25 percentage points in Q2 2026, from 110.62% to 117.87%. It was the largest change from Q1 2026 among the key lines here. State Bank of Bottineau ranks 7th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 102.15% (Q2 2026). State Bank of Bottineau reported 102.15% on loan-to-deposit ratio for Q2 2026, 21.21 points above 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 | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $10.2M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 4.27% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.15% |
| Net loans and leases to deposits | 100.41% |
| Loans and leases to core deposits | 117.87% |
| Core deposits to total deposits | 80.96% |
| Brokered deposits to total deposits | 5.71% |
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 | 103.87% | 86.60% | $6.0M | $0 |
| Q4 2023 | 98.83% | 84.32% | $2.0M | $0 |
| Q1 2024 | 100.04% | 81.02% | $0 | $2.0M |
| Q2 2024 | 103.19% | 80.89% | $0 | $4.0M |
| Q3 2024 | 106.42% | 80.88% | $0 | $9.0M |
| Q4 2024 | 92.39% | 81.81% | $0 | $2.0M |
| Q1 2025 | 95.69% | 81.39% | $0 | $2.0M |
| Q2 2025 | 109.92% | 80.07% | $0 | $9.0M |
| Q3 2025 | 110.56% | 80.44% | $0 | $13.0M |
| Q4 2025 | 98.58% | 80.71% | $0 | $8.0M |
| Q1 2026 | 95.95% | 81.03% | $0 | $8.0M |
| Q2 2026 | 102.15% | 80.96% | $0 | $8.0M |
State Bank of Bottineau 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 Bottineau, 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 Bottineau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9121) · FFIEC NIC profile (RSSD 1014554)