Turtle Mountain 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 Fed funds sold and reverse repos: 70.6% higher than in Q1 2026, at $10.1M. On loan-to-deposit ratio, Turtle Mountain State Bank is 3rd from the bottom among 60 North Dakota banks, 41.02% (Q2 2026). Turtle Mountain State Bank reported 41.02% on loan-to-deposit ratio for Q2 2026, 39.82 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $56.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $72.7M |
| Fed funds sold and reverse repos | $10.1M |
| Fed funds sold and reverse repos to assets | 8.89% |
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 | 41.02% |
| Net loans and leases to deposits | 40.56% |
| Loans and leases to core deposits | 48.37% |
| Core deposits to total deposits | 84.81% |
| 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 | 19.73% | 98.04% | $0 | $0 |
| Q4 2023 | 21.73% | 98.04% | $0 | $0 |
| Q1 2024 | 25.66% | 96.58% | $0 | $0 |
| Q2 2024 | 27.11% | 96.68% | $0 | $0 |
| Q3 2024 | 27.04% | 96.72% | $0 | $0 |
| Q4 2024 | 32.70% | 95.99% | $0 | $0 |
| Q1 2025 | 30.38% | 89.55% | $0 | $0 |
| Q2 2025 | 33.37% | 88.05% | $0 | $0 |
| Q3 2025 | 34.93% | 85.45% | $0 | $0 |
| Q4 2025 | 35.50% | 85.38% | $0 | $0 |
| Q1 2026 | 36.54% | 84.06% | $0 | $0 |
| Q2 2026 | 41.02% | 84.81% | $0 | $0 |
Turtle Mountain State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Turtle Mountain 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 Turtle Mountain State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58586) · FFIEC NIC profile (RSSD 3626184)