Castle Rock Bank: 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 40.0% in Q2 2026, from $14.9M to $9.0M. It was the largest change from Q1 2026 among the key lines here. Castle Rock Bank ranks 198th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 52.71% (Q2 2026). Castle Rock Bank reported 52.71% on loan-to-deposit ratio for Q2 2026, 27.85 points below 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 | $9.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $160.6M |
| 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 | $2.4M |
| 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 | 52.71% |
| Net loans and leases to deposits | 51.28% |
| Loans and leases to core deposits | 65.45% |
| Core deposits to total deposits | 80.53% |
| 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 | 46.37% | 77.01% | $0 | $0 |
| Q4 2023 | 47.90% | 78.80% | $789K | $0 |
| Q1 2024 | 49.11% | 82.56% | $0 | $0 |
| Q2 2024 | 53.28% | 82.15% | $2.6M | $0 |
| Q3 2024 | 51.86% | 80.21% | $0 | $0 |
| Q4 2024 | 52.62% | 81.07% | $0 | $0 |
| Q1 2025 | 51.87% | 81.31% | $0 | $0 |
| Q2 2025 | 53.38% | 81.50% | $0 | $0 |
| Q3 2025 | 52.57% | 80.96% | $0 | $0 |
| Q4 2025 | 52.59% | 80.98% | $1.2M | $0 |
| Q1 2026 | 51.99% | 80.89% | $0 | $0 |
| Q2 2026 | 52.71% | 80.53% | $2.4M | $0 |
Castle Rock Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Castle Rock Bank, 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 Castle Rock Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1913) · FFIEC NIC profile (RSSD 152253)