Bankcherokee: 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.
Loans and leases to core deposits climbed 8.17 percentage points in Q2 2026, from 81.63% to 89.79%. It was the largest change from Q1 2026 among the key lines here. Bankcherokee ranks 77th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 87.72% (Q2 2026). Bankcherokee reported 87.72% on loan-to-deposit ratio for Q2 2026, 7.16 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $99.5M |
| 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 | $0 |
| Other borrowed money | $23.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.72% |
| Net loans and leases to deposits | 86.62% |
| Loans and leases to core deposits | 89.79% |
| Core deposits to total deposits | 97.69% |
| Brokered deposits to total deposits | 0.00% |
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 | 65.15% | 99.34% | $0 | $0 |
| Q4 2023 | 67.10% | 99.23% | $0 | $0 |
| Q1 2024 | 68.53% | 99.34% | $0 | $10.0M |
| Q2 2024 | 72.36% | 99.14% | $0 | $18.0M |
| Q3 2024 | 73.67% | 99.21% | $0 | $15.0M |
| Q4 2024 | 76.53% | 99.06% | $0 | $19.0M |
| Q1 2025 | 76.10% | 99.15% | $0 | $28.0M |
| Q2 2025 | 79.75% | 98.79% | $0 | $28.0M |
| Q3 2025 | 80.13% | 97.93% | $0 | $28.0M |
| Q4 2025 | 84.29% | 97.72% | $0 | $33.0M |
| Q1 2026 | 79.92% | 97.91% | $0 | $33.0M |
| Q2 2026 | 87.72% | 97.69% | $0 | $23.0M |
Bankcherokee liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankcherokee, 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 Bankcherokee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8537) · FFIEC NIC profile (RSSD 748254)