State Bank of Eagle Butte: 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.
Loan-to-deposit ratio climbed 3.13 percentage points in Q2 2026, from 40.62% to 43.75%. It was the largest change from Q1 2026 among the key lines here. State Bank of Eagle Butte ranks 49th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 43.75% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. State Bank of Eagle Butte sits 23.58 points lower, at 43.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.0M |
| Fed funds sold and reverse repos | $13.0M |
| Fed funds sold and reverse repos to assets | 16.19% |
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 | 43.75% |
| Net loans and leases to deposits | 42.54% |
| Loans and leases to core deposits | 48.93% |
| Core deposits to total deposits | 89.40% |
| 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 | 42.25% | 99.37% | $0 | $0 |
| Q4 2023 | 38.91% | 99.38% | $0 | $0 |
| Q1 2024 | 50.67% | 98.67% | $0 | $0 |
| Q2 2024 | 49.60% | 92.22% | $0 | $0 |
| Q3 2024 | 46.94% | 92.91% | $0 | $0 |
| Q4 2024 | 42.53% | 93.20% | $0 | $0 |
| Q1 2025 | 39.36% | 94.09% | $0 | $0 |
| Q2 2025 | 44.92% | 84.92% | $0 | $0 |
| Q3 2025 | 45.83% | 86.80% | $0 | $0 |
| Q4 2025 | 39.82% | 89.02% | $0 | $0 |
| Q1 2026 | 40.62% | 88.25% | $0 | $0 |
| Q2 2026 | 43.75% | 89.40% | $0 | $0 |
State Bank of Eagle Butte 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 Eagle Butte, 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 Eagle Butte profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18145) · FFIEC NIC profile (RSSD 403656)