Unison 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: 6.71 percentage points higher than in Q1 2026, at 99.81%. Unison Bank ranks 16th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 89.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Unison Bank sits 9.25 points higher, at 89.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $119.8M |
| 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 | $6.1M |
| Other borrowed money | $35.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.80% |
| Net loans and leases to deposits | 88.75% |
| Loans and leases to core deposits | 99.81% |
| Core deposits to total deposits | 89.97% |
| 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 | 80.19% | 85.20% | $8.6M | $40.0M |
| Q4 2023 | 80.64% | 84.61% | $8.3M | $41.5M |
| Q1 2024 | 79.24% | 85.96% | $9.2M | $41.5M |
| Q2 2024 | 85.90% | 87.16% | $8.9M | $41.5M |
| Q3 2024 | 87.04% | 87.36% | $9.1M | $56.5M |
| Q4 2024 | 87.58% | 87.19% | $9.1M | $46.0M |
| Q1 2025 | 86.75% | 88.16% | $8.9M | $41.0M |
| Q2 2025 | 91.19% | 87.86% | $11.9M | $46.0M |
| Q3 2025 | 89.20% | 88.76% | $5.2M | $51.0M |
| Q4 2025 | 83.81% | 89.29% | $5.7M | $40.5M |
| Q1 2026 | 84.05% | 90.27% | $5.4M | $25.5M |
| Q2 2026 | 89.80% | 89.97% | $6.1M | $35.5M |
Unison Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Unison 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 Unison Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19396) · FFIEC NIC profile (RSSD 676151)