Falcon National 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: 23.7% lower than in Q1 2026, at $6.5M. Falcon National Bank ranks 42nd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 96.98% (Q2 2026). Falcon National Bank reported 96.98% on loan-to-deposit ratio for Q2 2026, 16.14 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $113.1M |
| Fed funds sold and reverse repos | $6.5M |
| Fed funds sold and reverse repos to assets | 0.75% |
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 | 96.98% |
| Net loans and leases to deposits | 95.19% |
| Loans and leases to core deposits | 115.72% |
| Core deposits to total deposits | 80.96% |
| Brokered deposits to total deposits | 2.84% |
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 | 98.82% | 71.90% | $0 | $0 |
| Q4 2023 | 96.45% | 73.94% | $0 | $0 |
| Q1 2024 | 98.95% | 75.77% | $0 | $0 |
| Q2 2024 | 98.56% | 75.75% | $0 | $0 |
| Q3 2024 | 97.65% | 78.20% | $0 | $0 |
| Q4 2024 | 88.50% | 80.80% | $0 | $0 |
| Q1 2025 | 93.48% | 80.47% | $0 | $0 |
| Q2 2025 | 97.32% | 74.72% | $0 | $10.0M |
| Q3 2025 | 93.51% | 76.92% | $0 | $10.0M |
| Q4 2025 | 92.17% | 79.02% | $0 | $0 |
| Q1 2026 | 95.68% | 80.38% | $0 | $0 |
| Q2 2026 | 96.98% | 80.96% | $0 | $0 |
Falcon National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Falcon National 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 Falcon National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57603) · FFIEC NIC profile (RSSD 3184228)