First Bank Elk River: 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 climbed 48.0% in Q2 2026, from $3.3M to $4.8M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, First Bank Elk River is 29th of 221 on loan-to-deposit ratio, 101.80% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Bank Elk River sits 21.24 points higher, at 101.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.1M |
| 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 | $20.7M |
| Other borrowed money | $40.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.80% |
| Net loans and leases to deposits | 100.83% |
| Loans and leases to core deposits | 108.80% |
| Core deposits to total deposits | 85.99% |
| Brokered deposits to total deposits | 7.57% |
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 | 88.00% | 89.16% | $26.8M | $20.3M |
| Q4 2023 | 96.98% | 86.46% | $32.9M | $36.9M |
| Q1 2024 | 90.76% | 85.92% | $27.7M | $21.6M |
| Q2 2024 | 93.84% | 85.73% | $20.7M | $36.3M |
| Q3 2024 | 91.72% | 85.24% | $22.6M | $30.0M |
| Q4 2024 | 90.31% | 84.48% | $21.9M | $18.8M |
| Q1 2025 | 92.38% | 84.60% | $19.3M | $30.4M |
| Q2 2025 | 97.55% | 83.83% | $18.3M | $43.9M |
| Q3 2025 | 93.69% | 84.36% | $19.9M | $25.2M |
| Q4 2025 | 98.97% | 84.02% | $19.9M | $33.1M |
| Q1 2026 | 98.75% | 84.28% | $20.6M | $30.7M |
| Q2 2026 | 101.80% | 85.99% | $20.7M | $40.2M |
First Bank Elk River liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank Elk River, 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 Elk River profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5136) · FFIEC NIC profile (RSSD 970055)