Community Bank Owatonna: 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 Q2 2026 was in Fed funds sold and reverse repos: 110.5% higher than in Q1 2026, at $2.6M. Community Bank Owatonna ranks 125th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 77.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank Owatonna sits 3.52 points lower, at 77.32% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.1M |
| Fed funds sold and reverse repos | $2.6M |
| Fed funds sold and reverse repos to assets | 2.54% |
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 | 77.32% |
| Net loans and leases to deposits | 76.56% |
| Loans and leases to core deposits | 96.78% |
| Core deposits to total deposits | 79.90% |
| Brokered deposits to total deposits | 6.58% |
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 | 69.23% | 81.64% | $0 | $0 |
| Q4 2023 | 74.03% | 81.64% | $0 | $0 |
| Q1 2024 | 71.55% | 80.41% | $0 | $0 |
| Q2 2024 | 75.49% | 81.43% | $624K | $0 |
| Q3 2024 | 74.01% | 82.27% | $0 | $0 |
| Q4 2024 | 73.73% | 84.00% | $0 | $0 |
| Q1 2025 | 75.65% | 83.27% | $0 | $500K |
| Q2 2025 | 75.49% | 82.48% | $288K | $0 |
| Q3 2025 | 76.00% | 83.28% | $0 | $0 |
| Q4 2025 | 79.71% | 81.46% | $0 | $0 |
| Q1 2026 | 79.58% | 79.38% | $0 | $0 |
| Q2 2026 | 77.32% | 79.90% | $0 | $0 |
Community Bank Owatonna liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Owatonna, 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 Owatonna profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57468) · FFIEC NIC profile (RSSD 3139321)