Trucommunity 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: 7.82 percentage points higher than in Q1 2026, at 83.13%. Within North Dakota, Trucommunity Bank is 31st of 60 on loan-to-deposit ratio, 78.62% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Trucommunity Bank reported 78.62% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $103.1M |
| Fed funds sold and reverse repos | $4.2M |
| Fed funds sold and reverse repos to assets | 1.25% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $21.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.62% |
| Net loans and leases to deposits | 77.51% |
| Loans and leases to core deposits | 83.13% |
| Core deposits to total deposits | 94.57% |
| 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 | 74.80% | 93.47% | $0 | $23.0M |
| Q4 2023 | 71.49% | 93.13% | $0 | $10.0M |
| Q1 2024 | 70.22% | 92.63% | $0 | $0 |
| Q2 2024 | 76.50% | 92.48% | $1.6M | $9.0M |
| Q3 2024 | 79.38% | 92.80% | $0 | $24.0M |
| Q4 2024 | 76.52% | 93.13% | $0 | $13.0M |
| Q1 2025 | 69.76% | 93.51% | $0 | $0 |
| Q2 2025 | 80.70% | 93.08% | $2.5M | $18.0M |
| Q3 2025 | 83.39% | 94.17% | $0 | $28.0M |
| Q4 2025 | 77.91% | 93.75% | $0 | $20.5M |
| Q1 2026 | 71.36% | 94.74% | $0 | $0 |
| Q2 2026 | 78.62% | 94.57% | $0 | $21.5M |
Trucommunity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Trucommunity 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 Trucommunity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15306) · FFIEC NIC profile (RSSD 808653)