State Bank & Trust of Kenmare: 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: 0.94 percentage points lower than in Q1 2026, at 56.85%. State Bank & Trust of Kenmare ranks 52nd of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 46.29% (Q2 2026). State Bank & Trust of Kenmare reported 46.29% on loan-to-deposit ratio for Q2 2026, 34.55 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $114.6M |
| Fed funds sold and reverse repos | $35.7M |
| Fed funds sold and reverse repos to assets | 17.77% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 46.29% |
| Net loans and leases to deposits | 45.77% |
| Loans and leases to core deposits | 56.85% |
| Core deposits to total deposits | 81.42% |
| 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 | 57.48% | 83.34% | $3.0M | $2.9M |
| Q4 2023 | 53.33% | 83.42% | $1.5M | $2.9M |
| Q1 2024 | 47.32% | 84.28% | $1.5M | $2.8M |
| Q2 2024 | 50.41% | 84.25% | $1.0M | $2.8M |
| Q3 2024 | 54.40% | 83.71% | $1.0M | $2.8M |
| Q4 2024 | 51.20% | 82.33% | $0 | $2.8M |
| Q1 2025 | 50.30% | 81.73% | $0 | $2.7M |
| Q2 2025 | 54.25% | 80.94% | $0 | $2.7M |
| Q3 2025 | 53.52% | 80.48% | $0 | $2.7M |
| Q4 2025 | 50.51% | 81.36% | $0 | $2.6M |
| Q1 2026 | 47.02% | 81.35% | $0 | $2.6M |
| Q2 2026 | 46.29% | 81.42% | $0 | $2.6M |
State Bank & Trust of Kenmare liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & Trust of Kenmare, 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 & Trust of Kenmare profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2057) · FFIEC NIC profile (RSSD 675659)