Sunrise Banks, N.A.: 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.
Cash and balances due from depository institutions climbed 23.5% in Q2 2026, from $183.9M to $227.1M. It was the largest change from Q1 2026 among the key lines here. Sunrise Banks, N.A. ranks 32nd of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 71.84% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Sunrise Banks, N.A. sits 16.36 points lower, at 71.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $227.1M |
| Cash and noninterest-bearing balances to assets | 8.17% |
| Cash and securities | $895.7M |
| 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 | $1.2M |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.84% |
| Net loans and leases to deposits | 70.56% |
| Loans and leases to core deposits | 73.12% |
| Core deposits to total deposits | 98.26% |
| 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 | 68.63% | 99.35% | $0 | $0 |
| Q4 2023 | 69.56% | 99.27% | $0 | $0 |
| Q1 2024 | 71.93% | 99.21% | $0 | $0 |
| Q2 2024 | 72.59% | 99.09% | $0 | $0 |
| Q3 2024 | 81.11% | 98.83% | $0 | $110.0M |
| Q4 2024 | 77.81% | 98.84% | $0 | $0 |
| Q1 2025 | 77.91% | 98.82% | $0 | $0 |
| Q2 2025 | 77.69% | 98.05% | $0 | $0 |
| Q3 2025 | 77.01% | 97.45% | $0 | $0 |
| Q4 2025 | 72.47% | 96.62% | $0 | $0 |
| Q1 2026 | 73.01% | 97.22% | $0 | $0 |
| Q2 2026 | 71.84% | 98.26% | $0 | $0 |
Sunrise Banks, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunrise Banks, N.A., 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 Banks, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18561) · FFIEC NIC profile (RSSD 860053)