Community Bank Mankato: 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 Q3 2026 was in Other borrowed money: 100.0% lower than in Q2 2026, at $0. Community Bank Mankato ranks 38th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 98.08% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank Mankato sits 17.24 points higher, at 98.08% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $63.8M |
| Fed funds sold and reverse repos | $22.9M |
| Fed funds sold and reverse repos to assets | 4.27% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $6.0M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 98.08% |
| Net loans and leases to deposits | 97.15% |
| Loans and leases to core deposits | 111.59% |
| Core deposits to total deposits | 87.89% |
| Brokered deposits to total deposits | 0.11% |
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 |
|---|---|---|---|---|
| Q4 2023 | 113.29% | 87.60% | $6.0M | $47.0M |
| Q1 2024 | 115.30% | 86.82% | $7.6M | $48.0M |
| Q2 2024 | 114.74% | 87.19% | $6.5M | $47.0M |
| Q3 2024 | 113.70% | 87.02% | $6.5M | $38.0M |
| Q4 2024 | 111.78% | 86.56% | $5.4M | $29.0M |
| Q1 2025 | 104.09% | 87.07% | $3.9M | $11.5M |
| Q2 2025 | 104.99% | 86.81% | $4.0M | $20.0M |
| Q3 2025 | 101.22% | 87.16% | $6.0M | $16.0M |
| Q4 2025 | 102.22% | 87.64% | $6.7M | $11.0M |
| Q1 2026 | 101.17% | 88.14% | $5.4M | $6.0M |
| Q2 2026 | 100.36% | 88.46% | $4.9M | $5.0M |
| Q3 2026 | 98.08% | 87.89% | $6.0M | $0 |
Community Bank Mankato liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Mankato, 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 Community Bank Mankato profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9760) · FFIEC NIC profile (RSSD 835257)