Sunrise Bank Dakota: 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.
Loans and leases to core deposits climbed 3.53 percentage points in Q2 2026, from 43.81% to 47.33%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Sunrise Bank Dakota is 6th from the bottom among 56 South Dakota banks, 43.12% (Q2 2026). Sunrise Bank Dakota reported 43.12% on loan-to-deposit ratio for Q2 2026, 24.51 points below the 67.62% median for banks in the < $100M asset tier.
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 | $33.5M |
| 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 | $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 | 43.12% |
| Net loans and leases to deposits | 42.20% |
| Loans and leases to core deposits | 47.33% |
| Core deposits to total deposits | 91.09% |
| 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 | 36.48% | 94.70% | $0 | $3.6M |
| Q4 2023 | 37.36% | 92.03% | $0 | $3.6M |
| Q1 2024 | 32.07% | 90.15% | $0 | $0 |
| Q2 2024 | 37.84% | 91.25% | $0 | $0 |
| Q3 2024 | 39.26% | 91.76% | $0 | $0 |
| Q4 2024 | 43.23% | 91.23% | $0 | $0 |
| Q1 2025 | 42.27% | 90.98% | $0 | $0 |
| Q2 2025 | 44.99% | 90.78% | $633K | $0 |
| Q3 2025 | 47.87% | 90.97% | $0 | $1.9M |
| Q4 2025 | 46.15% | 91.72% | $0 | $0 |
| Q1 2026 | 40.20% | 91.77% | $0 | $0 |
| Q2 2026 | 43.12% | 91.09% | $0 | $0 |
Sunrise Bank Dakota liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunrise Bank Dakota, 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 Sunrise Bank Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15847) · FFIEC NIC profile (RSSD 354253)