Arcadian 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: 1.67 percentage points lower than in Q1 2026, at 93.03%. Arcadian Bank ranks 68th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 88.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Arcadian Bank sits 7.64 points higher, at 88.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.0M |
| Fed funds sold and reverse repos | $5.8M |
| Fed funds sold and reverse repos to assets | 2.41% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.48% |
| Net loans and leases to deposits | 87.38% |
| Loans and leases to core deposits | 93.03% |
| Core deposits to total deposits | 86.34% |
| Brokered deposits to total deposits | 8.77% |
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 | 87.36% | 92.45% | $0 | $8.5M |
| Q4 2023 | 88.99% | 90.13% | $0 | $13.0M |
| Q1 2024 | 88.38% | 88.18% | $0 | $13.0M |
| Q2 2024 | 88.26% | 86.73% | $0 | $11.0M |
| Q3 2024 | 93.44% | 89.66% | $0 | $14.9M |
| Q4 2024 | 91.61% | 88.52% | $0 | $9.2M |
| Q1 2025 | 87.84% | 89.79% | $0 | $7.5M |
| Q2 2025 | 89.61% | 87.38% | $0 | $7.5M |
| Q3 2025 | 86.46% | 84.68% | $0 | $7.5M |
| Q4 2025 | 91.58% | 88.29% | $0 | $7.5M |
| Q1 2026 | 89.71% | 86.61% | $0 | $8.0M |
| Q2 2026 | 88.48% | 86.34% | $0 | $7.0M |
Arcadian Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Arcadian 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 Arcadian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10561) · FFIEC NIC profile (RSSD 1007752)