Bankvista: 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 Brokered deposits to total deposits: 3.04 percentage points lower than in Q1 2026, at 2.77%. Among 221 Minnesota banks, Bankvista sits 14th from the top on loan-to-deposit ratio, 109.04% as of Q2 2026. Bankvista reported 109.04% on loan-to-deposit ratio for Q2 2026, 28.20 points above 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 | $32.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.4M |
| 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 | $42.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.04% |
| Net loans and leases to deposits | 107.52% |
| Loans and leases to core deposits | 124.63% |
| Core deposits to total deposits | 84.72% |
| Brokered deposits to total deposits | 2.77% |
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 | 105.33% | 84.42% | $0 | $34.8M |
| Q4 2023 | 108.47% | 80.81% | $0 | $44.8M |
| Q1 2024 | 109.20% | 77.56% | $0 | $43.6M |
| Q2 2024 | 103.75% | 79.72% | $0 | $38.6M |
| Q3 2024 | 101.26% | 84.06% | $0 | $13.6M |
| Q4 2024 | 107.27% | 84.57% | $0 | $28.6M |
| Q1 2025 | 106.28% | 84.00% | $0 | $39.0M |
| Q2 2025 | 105.78% | 83.18% | $0 | $43.0M |
| Q3 2025 | 106.97% | 85.11% | $0 | $37.7M |
| Q4 2025 | 113.74% | 86.80% | $0 | $58.7M |
| Q1 2026 | 109.39% | 83.91% | $0 | $47.1M |
| Q2 2026 | 109.04% | 84.72% | $0 | $42.8M |
Bankvista liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankvista, 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 Bankvista profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35406) · FFIEC NIC profile (RSSD 2849285)