Deerwood 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 Loan-to-deposit ratio: 4.31 percentage points higher than in Q1 2026, at 69.28%. Within Minnesota, Deerwood Bank is 160th of 221 on loan-to-deposit ratio, 69.28% as of Q2 2026, below the middle of the field. Deerwood Bank reported 69.28% on loan-to-deposit ratio for Q2 2026, 18.92 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $318.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $505.5M |
| 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 | $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 | 69.28% |
| Net loans and leases to deposits | 68.69% |
| Loans and leases to core deposits | 70.91% |
| Core deposits to total deposits | 97.70% |
| 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 | 83.24% | 97.98% | $23.0M | $30.0M |
| Q4 2023 | 87.91% | 97.44% | $58.0M | $30.0M |
| Q1 2024 | 89.12% | 97.51% | $43.0M | $30.0M |
| Q2 2024 | 89.36% | 97.22% | $0 | $0 |
| Q3 2024 | 83.01% | 96.88% | $0 | $0 |
| Q4 2024 | 84.02% | 96.76% | $0 | $0 |
| Q1 2025 | 84.53% | 96.78% | $0 | $0 |
| Q2 2025 | 83.19% | 97.30% | $0 | $0 |
| Q3 2025 | 73.89% | 97.48% | $0 | $0 |
| Q4 2025 | 72.30% | 97.13% | $0 | $0 |
| Q1 2026 | 64.97% | 97.41% | $0 | $0 |
| Q2 2026 | 69.28% | 97.70% | $0 | $0 |
Deerwood Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Deerwood 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 Deerwood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5123) · FFIEC NIC profile (RSSD 314257)