First Bank Blue Earth: 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.
Cash and balances due from depository institutions dropped 38.0% in Q2 2026, from $22.3M to $13.8M. It was the largest change from Q1 2026 among the key lines here. First Bank Blue Earth ranks 135th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 74.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Bank Blue Earth sits 5.89 points lower, at 74.95% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.8M |
| Cash and noninterest-bearing balances to assets | 4.29% |
| Cash and securities | $103.8M |
| 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 | $14.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.95% |
| Net loans and leases to deposits | 74.01% |
| Loans and leases to core deposits | 79.33% |
| Core deposits to total deposits | 92.64% |
| Brokered deposits to total deposits | 1.84% |
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 | 69.24% | 96.06% | $7.8M | $17.8M |
| Q4 2023 | 73.41% | 96.34% | $3.5M | $16.5M |
| Q1 2024 | 75.52% | 95.59% | $5.8M | $20.7M |
| Q2 2024 | 78.46% | 96.05% | $4.1M | $25.1M |
| Q3 2024 | 75.71% | 93.05% | $100K | $22.1M |
| Q4 2024 | 74.96% | 92.43% | $0 | $19.1M |
| Q1 2025 | 78.36% | 92.29% | $1.9M | $17.0M |
| Q2 2025 | 78.96% | 91.67% | $0 | $17.0M |
| Q3 2025 | 81.03% | 87.94% | $1.5M | $16.9M |
| Q4 2025 | 75.99% | 90.96% | $0 | $16.8M |
| Q1 2026 | 71.89% | 91.89% | $0 | $14.7M |
| Q2 2026 | 74.95% | 92.64% | $0 | $14.7M |
First Bank Blue Earth liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank Blue Earth, 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 First Bank Blue Earth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5097) · FFIEC NIC profile (RSSD 147857)