Sundance State Bank: 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: 4.17 percentage points higher than in Q1 2026, at 86.00%. Within Wyoming, Sundance State Bank is 8th of 23 on loan-to-deposit ratio, 74.65% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Sundance State Bank sits 6.19 points lower, at 74.65% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $86.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.65% |
| Net loans and leases to deposits | 73.53% |
| Loans and leases to core deposits | 86.00% |
| Core deposits to total deposits | 86.79% |
| 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 | 75.35% | 91.77% | $0 | $12.0M |
| Q4 2023 | 62.95% | 90.51% | $0 | $12.0M |
| Q1 2024 | 68.06% | 87.83% | $0 | $12.0M |
| Q2 2024 | 74.80% | 87.55% | $0 | $12.0M |
| Q3 2024 | 74.13% | 89.83% | $0 | $12.0M |
| Q4 2024 | 58.48% | 91.31% | $0 | $12.0M |
| Q1 2025 | 69.30% | 87.81% | $0 | $8.0M |
| Q2 2025 | 66.01% | 88.43% | $0 | $8.0M |
| Q3 2025 | 70.89% | 88.59% | $0 | $8.0M |
| Q4 2025 | 62.32% | 90.29% | $0 | $8.0M |
| Q1 2026 | 71.44% | 87.30% | $0 | $4.0M |
| Q2 2026 | 74.65% | 86.79% | $0 | $4.0M |
Sundance State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sundance State Bank, 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 Sundance State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1169) · FFIEC NIC profile (RSSD 94755)