Commercial Bank of Mott: 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.
Loans and leases to core deposits climbed 13.32 percentage points in Q2 2026, from 101.59% to 114.91%. It was the largest change from Q1 2026 among the key lines here. Commercial Bank of Mott ranks 15th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 90.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Commercial Bank of Mott sits 9.83 points higher, at 90.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.7M |
| Fed funds sold and reverse repos | $915K |
| Fed funds sold and reverse repos to assets | 0.65% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.5M |
| Other borrowed money | $1.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.67% |
| Net loans and leases to deposits | 89.79% |
| Loans and leases to core deposits | 114.91% |
| Core deposits to total deposits | 77.44% |
| Brokered deposits to total deposits | 1.46% |
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 | 100.36% | 84.00% | $4.0M | $16.8M |
| Q4 2023 | 100.16% | 83.58% | $3.4M | $18.3M |
| Q1 2024 | 92.48% | 84.23% | $3.5M | $8.6M |
| Q2 2024 | 105.75% | 83.39% | $2.7M | $22.9M |
| Q3 2024 | 111.02% | 82.65% | $4.4M | $26.9M |
| Q4 2024 | 104.66% | 81.80% | $4.5M | $20.7M |
| Q1 2025 | 98.28% | 82.31% | $3.0M | $15.5M |
| Q2 2025 | 98.20% | 81.79% | $3.0M | $14.1M |
| Q3 2025 | 98.92% | 78.21% | $3.0M | $13.8M |
| Q4 2025 | 90.35% | 78.63% | $3.0M | $3.7M |
| Q1 2026 | 82.59% | 79.90% | $4.0M | $1.6M |
| Q2 2026 | 90.67% | 77.44% | $3.5M | $1.6M |
Commercial Bank of Mott liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank of Mott, 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 Commercial Bank of Mott profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15741) · FFIEC NIC profile (RSSD 1008553)