Center National 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 climbed 95.9% in Q2 2026, from $10.7M to $21.1M. It was the largest change from Q1 2026 among the key lines here. Center National Bank ranks 142nd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 73.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Center National Bank sits 7.48 points lower, at 73.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.9M |
| 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 | $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 | 73.36% |
| Net loans and leases to deposits | 72.63% |
| Loans and leases to core deposits | 81.31% |
| Core deposits to total deposits | 90.21% |
| 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 | 58.39% | 90.20% | $0 | $0 |
| Q4 2023 | 59.06% | 89.73% | $0 | $0 |
| Q1 2024 | 62.38% | 88.67% | $0 | $0 |
| Q2 2024 | 63.79% | 88.54% | $0 | $0 |
| Q3 2024 | 62.91% | 88.45% | $0 | $0 |
| Q4 2024 | 61.65% | 93.33% | $0 | $0 |
| Q1 2025 | 60.52% | 90.35% | $0 | $0 |
| Q2 2025 | 66.73% | 88.56% | $0 | $0 |
| Q3 2025 | 71.19% | 89.54% | $0 | $0 |
| Q4 2025 | 76.76% | 90.12% | $0 | $0 |
| Q1 2026 | 75.35% | 90.56% | $0 | $0 |
| Q2 2026 | 73.36% | 90.21% | $0 | $0 |
Center National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Center National 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 Center National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10976) · FFIEC NIC profile (RSSD 1017957)