Currie State 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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 4.95 percentage points higher than in Q1 2026, at 16.92%. Within Minnesota, Currie State Bank is 35th of 221 on loan-to-deposit ratio, 100.17% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Currie State Bank sits 32.55 points higher, at 100.17% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $9.0M |
| Fed funds sold and reverse repos | $7.5M |
| Fed funds sold and reverse repos to assets | 7.50% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $378K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.17% |
| Net loans and leases to deposits | 98.62% |
| Loans and leases to core deposits | 109.13% |
| Core deposits to total deposits | 74.87% |
| Brokered deposits to total deposits | 16.92% |
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 | 106.72% | 80.95% | $0 | $390K |
| Q4 2023 | 108.39% | 75.37% | $1.2M | $319K |
| Q1 2024 | 111.20% | 82.81% | $0 | $1.7M |
| Q2 2024 | 109.25% | 75.88% | $0 | $1.3M |
| Q3 2024 | 103.40% | 76.11% | $0 | $278K |
| Q4 2024 | 107.52% | 76.88% | $0 | $3.4M |
| Q1 2025 | 104.53% | 77.65% | $0 | $488K |
| Q2 2025 | 105.56% | 72.85% | $0 | $487K |
| Q3 2025 | 101.69% | 74.59% | $0 | $487K |
| Q4 2025 | 107.59% | 75.51% | $0 | $443K |
| Q1 2026 | 101.20% | 79.32% | $0 | $378K |
| Q2 2026 | 100.17% | 74.87% | $0 | $378K |
Currie State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Currie State 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 Currie State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8833) · FFIEC NIC profile (RSSD 343958)