Drake 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 Loans and leases to core deposits: 4.77 percentage points higher than in Q1 2026, at 97.03%. Within Minnesota, Drake Bank is 61st of 221 on loan-to-deposit ratio, 91.56% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Drake Bank sits 11.01 points higher, at 91.56% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.9M |
| Fed funds sold and reverse repos | $543K |
| Fed funds sold and reverse repos to assets | 0.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $17.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.56% |
| Net loans and leases to deposits | 88.81% |
| Loans and leases to core deposits | 97.03% |
| Core deposits to total deposits | 74.11% |
| Brokered deposits to total deposits | 20.25% |
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 | 95.47% | 78.71% | $0 | $8.8M |
| Q4 2023 | 92.78% | 80.40% | $0 | $18.8M |
| Q1 2024 | 88.96% | 80.15% | $0 | $18.8M |
| Q2 2024 | 90.15% | 80.71% | $0 | $19.3M |
| Q3 2024 | 88.74% | 80.74% | $0 | $19.2M |
| Q4 2024 | 101.57% | 77.16% | $0 | $21.2M |
| Q1 2025 | 92.44% | 70.10% | $0 | $17.3M |
| Q2 2025 | 93.31% | 71.92% | $0 | $17.3M |
| Q3 2025 | 89.88% | 72.20% | $0 | $17.3M |
| Q4 2025 | 92.87% | 74.63% | $0 | $17.2M |
| Q1 2026 | 87.26% | 72.29% | $0 | $17.2M |
| Q2 2026 | 91.56% | 74.11% | $0 | $17.1M |
Drake Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Drake 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 Drake Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57336) · FFIEC NIC profile (RSSD 3090833)