The Citizens National Bank of Park Rapids: 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 49.5% in Q2 2026, from $12.4M to $6.3M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, The Citizens National Bank of Park Rapids is 67th of 221 on loan-to-deposit ratio, 89.86% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens National Bank of Park Rapids sits 9.03 points higher, at 89.86% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $77.7M |
| 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 | $194K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.86% |
| Net loans and leases to deposits | 88.42% |
| Loans and leases to core deposits | 104.39% |
| Core deposits to total deposits | 86.08% |
| 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 | 95.57% | 88.81% | $0 | $12.7M |
| Q4 2023 | 97.66% | 87.13% | $0 | $12.7M |
| Q1 2024 | 99.10% | 86.81% | $0 | $10.2M |
| Q2 2024 | 94.81% | 86.03% | $0 | $5.2M |
| Q3 2024 | 96.82% | 86.32% | $0 | $5.1M |
| Q4 2024 | 95.17% | 86.66% | $0 | $5.1M |
| Q1 2025 | 91.62% | 86.54% | $0 | $105K |
| Q2 2025 | 84.11% | 87.18% | $0 | $120K |
| Q3 2025 | 90.36% | 87.45% | $0 | $161K |
| Q4 2025 | 92.59% | 86.73% | $0 | $203K |
| Q1 2026 | 90.70% | 86.46% | $0 | $169K |
| Q2 2026 | 89.86% | 86.08% | $0 | $194K |
The Citizens National Bank of Park Rapids liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Park Rapids, 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 The Citizens National Bank of Park Rapids profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5223) · FFIEC NIC profile (RSSD 877752)