American National Bank of Minnesota: 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.
Fed funds sold and reverse repos climbed 97.0% in Q2 2026, from $25.9M to $51.1M. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, American National Bank of Minnesota sits 12th from the top on loan-to-deposit ratio, 111.22% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American National Bank of Minnesota sits 30.38 points higher, at 111.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $56.7M |
| Cash and noninterest-bearing balances to assets | 1.17% |
| Cash and securities | $64.6M |
| Fed funds sold and reverse repos | $51.1M |
| Fed funds sold and reverse repos to assets | 10.80% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $72.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.37% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.22% |
| Net loans and leases to deposits | 109.73% |
| Loans and leases to core deposits | 120.57% |
| Core deposits to total deposits | 67.45% |
| Brokered deposits to total deposits | 24.80% |
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 | 114.85% | 65.16% | $0 | $68.5M |
| Q4 2023 | 116.78% | 61.61% | $0 | $73.5M |
| Q1 2024 | 117.14% | 61.46% | $0 | $73.5M |
| Q2 2024 | 121.13% | 63.77% | $0 | $80.0M |
| Q3 2024 | 120.76% | 66.54% | $0 | $80.0M |
| Q4 2024 | 118.89% | 63.57% | $0 | $75.0M |
| Q1 2025 | 117.62% | 66.62% | $2.0M | $75.0M |
| Q2 2025 | 117.87% | 67.17% | $0 | $81.0M |
| Q3 2025 | 119.57% | 64.39% | $0 | $85.8M |
| Q4 2025 | 117.84% | 65.37% | $0 | $80.2M |
| Q1 2026 | 119.45% | 66.13% | $0 | $77.8M |
| Q2 2026 | 111.22% | 67.45% | $0 | $72.8M |
American National Bank of Minnesota liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American National Bank of Minnesota, 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 American National Bank of Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26499) · FFIEC NIC profile (RSSD 306159)