Bankwest: 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 Fed funds sold and reverse repos: 65.7% higher than in Q1 2026, at $6.8M. Bankwest ranks 179th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 62.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bankwest sits 17.75 points lower, at 62.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $96.8M |
| Fed funds sold and reverse repos | $6.8M |
| Fed funds sold and reverse repos to assets | 2.82% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.80% |
| Net loans and leases to deposits | 62.16% |
| Loans and leases to core deposits | 65.64% |
| Core deposits to total deposits | 95.68% |
| 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 | 46.22% | 97.17% | $0 | $11.0M |
| Q4 2023 | 46.76% | 97.14% | $0 | $5.0M |
| Q1 2024 | 49.91% | 95.36% | $0 | $10.0M |
| Q2 2024 | 54.78% | 95.09% | $0 | $5.0M |
| Q3 2024 | 54.40% | 95.52% | $0 | $0 |
| Q4 2024 | 55.08% | 95.01% | $0 | $0 |
| Q1 2025 | 54.59% | 94.99% | $0 | $0 |
| Q2 2025 | 56.50% | 94.93% | $0 | $0 |
| Q3 2025 | 58.15% | 94.73% | $0 | $0 |
| Q4 2025 | 59.74% | 94.94% | $0 | $0 |
| Q1 2026 | 62.48% | 95.46% | $0 | $0 |
| Q2 2026 | 62.80% | 95.68% | $0 | $0 |
Bankwest liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankwest, 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 Bankwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16704) · FFIEC NIC profile (RSSD 791353)