State Bank of Lakota: 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 Loans and leases to core deposits: 9.01 percentage points higher than in Q1 2026, at 74.17%. Within North Dakota, State Bank of Lakota is 38th of 60 on loan-to-deposit ratio, 67.58% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; State Bank of Lakota reported 67.58% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.5M |
| Fed funds sold and reverse repos | $8.0M |
| Fed funds sold and reverse repos to assets | 12.46% |
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 | 67.58% |
| Net loans and leases to deposits | 66.89% |
| Loans and leases to core deposits | 74.17% |
| Core deposits to total deposits | 91.12% |
| 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 | 57.42% | 94.70% | $0 | $0 |
| Q4 2023 | 61.03% | 93.54% | $0 | $0 |
| Q1 2024 | 65.20% | 90.84% | $0 | $0 |
| Q2 2024 | 66.15% | 90.60% | $0 | $0 |
| Q3 2024 | 73.98% | 89.93% | $0 | $0 |
| Q4 2024 | 59.01% | 89.78% | $0 | $0 |
| Q1 2025 | 61.40% | 88.60% | $0 | $0 |
| Q2 2025 | 66.30% | 87.29% | $0 | $0 |
| Q3 2025 | 61.26% | 89.89% | $0 | $0 |
| Q4 2025 | 66.36% | 89.82% | $0 | $0 |
| Q1 2026 | 59.42% | 91.19% | $0 | $0 |
| Q2 2026 | 67.58% | 91.12% | $0 | $0 |
State Bank of Lakota 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 Lakota, 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 Lakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16477) · FFIEC NIC profile (RSSD 678258)