The Bank of Elk River: 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 dropped 45.8% in Q2 2026, from $29.0M to $15.7M. It was the largest change from Q1 2026 among the key lines here. The Bank of Elk River ranks 161st of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 69.21% (Q2 2026). The Bank of Elk River reported 69.21% on loan-to-deposit ratio for Q2 2026, 11.63 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $248.1M |
| Fed funds sold and reverse repos | $3.1M |
| Fed funds sold and reverse repos to assets | 0.43% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.21% |
| Net loans and leases to deposits | 68.40% |
| Loans and leases to core deposits | 74.25% |
| Core deposits to total deposits | 93.18% |
| Brokered deposits to total deposits | 0.04% |
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 | 59.70% | 96.17% | $0 | $0 |
| Q4 2023 | 61.09% | 95.39% | $0 | $0 |
| Q1 2024 | 62.18% | 94.63% | $0 | $5.0M |
| Q2 2024 | 66.90% | 94.93% | $0 | $29.4M |
| Q3 2024 | 63.52% | 94.97% | $0 | $10.0M |
| Q4 2024 | 64.40% | 94.35% | $0 | $5.0M |
| Q1 2025 | 64.81% | 94.04% | $0 | $5.0M |
| Q2 2025 | 64.42% | 93.43% | $0 | $0 |
| Q3 2025 | 64.70% | 93.37% | $0 | $0 |
| Q4 2025 | 66.33% | 93.24% | $0 | $5.5M |
| Q1 2026 | 68.63% | 93.18% | $0 | $5.0M |
| Q2 2026 | 69.21% | 93.18% | $0 | $5.0M |
The Bank of Elk River liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Elk River, 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 The Bank of Elk River profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1607) · FFIEC NIC profile (RSSD 10250)