Stockman Bank of Montana: 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.
Fed funds purchased and repos climbed 63.6% in Q2 2026, from $257.1M to $420.6M. It was the largest change from Q1 2026 among the key lines here. Within Montana, Stockman Bank of Montana is 13th of 35 on loan-to-deposit ratio, 84.42% as of Q2 2026, above the middle of the field. Stockman Bank of Montana reported 84.42% on loan-to-deposit ratio for Q2 2026, 3.78 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $108.0M |
| Cash and noninterest-bearing balances to assets | 1.39% |
| Cash and securities | $2.13B |
| Fed funds sold and reverse repos | $439K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $420.6M |
| Other borrowed money | $314.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.42% |
| Net loans and leases to deposits | 82.88% |
| Loans and leases to core deposits | 93.52% |
| Core deposits to total deposits | 90.25% |
| Brokered deposits to total deposits | 0.02% |
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 | 78.29% | 93.87% | $210.7M | $366.7M |
| Q4 2023 | 77.67% | 93.27% | $195.6M | $366.7M |
| Q1 2024 | 80.31% | 91.84% | $162.1M | $366.7M |
| Q2 2024 | 82.28% | 91.24% | $330.2M | $340.7M |
| Q3 2024 | 83.69% | 90.84% | $186.3M | $390.7M |
| Q4 2024 | 82.11% | 90.97% | $181.9M | $390.7M |
| Q1 2025 | 83.37% | 90.37% | $166.3M | $290.7M |
| Q2 2025 | 86.02% | 90.50% | $183.8M | $364.7M |
| Q3 2025 | 84.95% | 90.32% | $214.4M | $364.7M |
| Q4 2025 | 81.83% | 90.42% | $205.5M | $364.7M |
| Q1 2026 | 79.95% | 90.38% | $257.1M | $314.7M |
| Q2 2026 | 84.42% | 90.25% | $420.6M | $314.7M |
Stockman Bank of Montana liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockman Bank of Montana, 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 Stockman Bank of Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16191) · FFIEC NIC profile (RSSD 651859)