Esb 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 Fed funds sold and reverse repos: 64.3% higher than in Q1 2026, at $3.3M. Esb Bank ranks 59th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 91.68% (Q2 2026). Esb Bank reported 91.68% on loan-to-deposit ratio for Q2 2026, 11.13 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.2M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 1.56% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $9.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.68% |
| Net loans and leases to deposits | 90.68% |
| Loans and leases to core deposits | 100.82% |
| Core deposits to total deposits | 90.94% |
| 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 | 98.05% | 96.17% | $0 | $10.2M |
| Q4 2023 | 96.60% | 95.40% | $0 | $10.2M |
| Q1 2024 | 95.84% | 98.34% | $0 | $10.2M |
| Q2 2024 | 98.48% | 94.63% | $0 | $10.3M |
| Q3 2024 | 99.07% | 93.64% | $0 | $10.3M |
| Q4 2024 | 94.26% | 94.28% | $0 | $8.3M |
| Q1 2025 | 96.77% | 94.33% | $0 | $7.3M |
| Q2 2025 | 97.31% | 92.18% | $0 | $5.3M |
| Q3 2025 | 99.97% | 95.26% | $0 | $9.3M |
| Q4 2025 | 94.82% | 90.63% | $0 | $9.3M |
| Q1 2026 | 94.21% | 90.56% | $0 | $9.3M |
| Q2 2026 | 91.68% | 90.94% | $0 | $9.3M |
Esb Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Esb 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 Esb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10980) · FFIEC NIC profile (RSSD 40855)