Americana Community 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.
Fed funds purchased and repos climbed 223.0% in Q2 2026, from $1.1M to $3.6M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Americana Community Bank is 52nd of 221 on loan-to-deposit ratio, 93.47% 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. Americana Community Bank sits 12.63 points higher, at 93.47% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.5M |
| 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 | $3.6M |
| Other borrowed money | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.47% |
| Net loans and leases to deposits | 92.59% |
| Loans and leases to core deposits | 101.99% |
| Core deposits to total deposits | 88.25% |
| Brokered deposits to total deposits | 3.39% |
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 | 85.03% | 91.51% | $0 | $5.0M |
| Q4 2023 | 88.49% | 90.62% | $5.7M | $5.0M |
| Q1 2024 | 92.80% | 88.56% | $4.9M | $11.0M |
| Q2 2024 | 93.73% | 87.51% | $1.7M | $15.0M |
| Q3 2024 | 88.37% | 88.40% | $0 | $11.0M |
| Q4 2024 | 87.67% | 90.15% | $0 | $11.0M |
| Q1 2025 | 89.36% | 91.50% | $1.5M | $5.0M |
| Q2 2025 | 94.65% | 89.76% | $3.8M | $10.5M |
| Q3 2025 | 92.27% | 89.52% | $0 | $9.0M |
| Q4 2025 | 87.72% | 89.53% | $0 | $0 |
| Q1 2026 | 96.25% | 92.49% | $1.1M | $10.5M |
| Q2 2026 | 93.47% | 88.25% | $3.6M | $3.0M |
Americana Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Americana Community 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 Americana Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8205) · FFIEC NIC profile (RSSD 201254)