Western Dakota 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: 6.69 percentage points higher than in Q1 2026, at 42.47%. On loan-to-deposit ratio, Western Dakota Bank is 4th from the bottom among 56 South Dakota banks, 36.28% (Q2 2026). Western Dakota Bank reported 36.28% on loan-to-deposit ratio for Q2 2026, 31.65 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $50.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.5M |
| 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 | 36.28% |
| Net loans and leases to deposits | 35.74% |
| Loans and leases to core deposits | 42.47% |
| Core deposits to total deposits | 85.41% |
| 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 | 43.54% | 83.34% | $0 | $0 |
| Q4 2023 | 34.93% | 85.00% | $0 | $0 |
| Q1 2024 | 35.76% | 85.03% | $0 | $0 |
| Q2 2024 | 35.41% | 86.40% | $0 | $0 |
| Q3 2024 | 41.59% | 85.65% | $0 | $0 |
| Q4 2024 | 36.57% | 85.96% | $0 | $0 |
| Q1 2025 | 35.61% | 85.93% | $0 | $0 |
| Q2 2025 | 38.97% | 85.98% | $0 | $0 |
| Q3 2025 | 40.93% | 84.65% | $0 | $0 |
| Q4 2025 | 33.29% | 86.16% | $0 | $0 |
| Q1 2026 | 31.24% | 87.31% | $0 | $0 |
| Q2 2026 | 36.28% | 85.41% | $0 | $0 |
Western Dakota Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Dakota 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 Western Dakota Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 492) · FFIEC NIC profile (RSSD 128258)