Banknorth: 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 Other borrowed money: 335.6% higher than in Q1 2026, at $58.7M. As of Q2 2026, Banknorth ranks first in North Dakota on loan-to-deposit ratio among 60 banks, at 111.90%. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Banknorth sits 31.07 points higher, at 111.90% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.1M |
| 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 | $423K |
| Other borrowed money | $58.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.90% |
| Net loans and leases to deposits | 110.73% |
| Loans and leases to core deposits | 121.05% |
| Core deposits to total deposits | 87.36% |
| Brokered deposits to total deposits | 5.08% |
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 | 115.05% | 90.08% | $0 | $86.1M |
| Q4 2023 | 105.71% | 92.18% | $0 | $61.0M |
| Q1 2024 | 110.87% | 88.17% | $0 | $67.0M |
| Q2 2024 | 124.77% | 85.79% | $0 | $123.0M |
| Q3 2024 | 122.35% | 78.84% | $1.5M | $113.9M |
| Q4 2024 | 108.22% | 84.74% | $0 | $63.1M |
| Q1 2025 | 102.55% | 84.74% | $0 | $22.2M |
| Q2 2025 | 114.05% | 85.15% | $0 | $70.7M |
| Q3 2025 | 118.07% | 86.30% | $0 | $95.4M |
| Q4 2025 | 109.55% | 85.25% | $165K | $62.0M |
| Q1 2026 | 103.49% | 87.63% | $0 | $13.5M |
| Q2 2026 | 111.90% | 87.36% | $423K | $58.7M |
Banknorth liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Banknorth, 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 Banknorth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8387) · FFIEC NIC profile (RSSD 721350)