Eagle Rock 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: 21.17 percentage points higher than in Q1 2026, at 114.71%. Within Minnesota, Eagle Rock Bank is 24th of 221 on loan-to-deposit ratio, 103.58% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Eagle Rock Bank sits 22.74 points higher, at 103.58% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.4M |
| Fed funds sold and reverse repos | $12.5M |
| Fed funds sold and reverse repos to assets | 2.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.58% |
| Net loans and leases to deposits | 102.44% |
| Loans and leases to core deposits | 114.71% |
| Core deposits to total deposits | 88.30% |
| Brokered deposits to total deposits | 1.99% |
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 | 112.99% | 96.75% | $0 | $36.9M |
| Q4 2023 | 105.31% | 95.97% | $0 | $32.9M |
| Q1 2024 | 112.30% | 93.96% | $0 | $40.4M |
| Q2 2024 | 111.79% | 94.37% | $0 | $41.7M |
| Q3 2024 | 103.49% | 91.45% | $0 | $27.7M |
| Q4 2024 | 103.07% | 92.33% | $0 | $31.4M |
| Q1 2025 | 102.87% | 95.70% | $0 | $28.9M |
| Q2 2025 | 104.16% | 96.88% | $0 | $31.5M |
| Q3 2025 | 108.14% | 97.76% | $0 | $39.1M |
| Q4 2025 | 95.62% | 98.22% | $0 | $21.1M |
| Q1 2026 | 91.88% | 98.23% | $0 | $18.0M |
| Q2 2026 | 103.58% | 88.30% | $0 | $25.9M |
Eagle Rock Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Eagle Rock 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 Eagle Rock Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34171) · FFIEC NIC profile (RSSD 2391588)