21st Century 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.
Cash and balances due from depository institutions climbed 90.5% in Q2 2026, from $12.9M to $24.6M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, 21st Century Bank is 28th of 221 on loan-to-deposit ratio, 102.11% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. 21st Century Bank sits 21.28 points higher, at 102.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $211.7M |
| 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 | $146.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 16.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.11% |
| Net loans and leases to deposits | 101.19% |
| Loans and leases to core deposits | 102.66% |
| Core deposits to total deposits | 98.83% |
| Brokered deposits to total deposits | 0.64% |
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 | 106.19% | 93.25% | $0 | $95.0M |
| Q4 2023 | 106.85% | 93.47% | $0 | $91.5M |
| Q1 2024 | 95.63% | 97.93% | $0 | $81.5M |
| Q2 2024 | 103.19% | 98.75% | $0 | $84.5M |
| Q3 2024 | 102.08% | 98.96% | $0 | $79.5M |
| Q4 2024 | 105.09% | 99.96% | $0 | $106.5M |
| Q1 2025 | 97.75% | 99.96% | $0 | $110.0M |
| Q2 2025 | 98.42% | 99.96% | $0 | $110.0M |
| Q3 2025 | 95.36% | 99.96% | $0 | $110.0M |
| Q4 2025 | 100.34% | 99.92% | $0 | $122.0M |
| Q1 2026 | 99.67% | 98.42% | $0 | $120.0M |
| Q2 2026 | 102.11% | 98.83% | $0 | $146.0M |
21st Century Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 21st Century 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 21st Century Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9751) · FFIEC NIC profile (RSSD 340256)