First 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.
Loan-to-deposit ratio climbed 0.98 percentage points in Q2 2026, from 71.38% to 72.37%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, First National Bank is 148th of 221 on loan-to-deposit ratio, 72.37% as of Q2 2026, below the middle of the field. First National Bank reported 72.37% on loan-to-deposit ratio for Q2 2026, 8.47 points below 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 | $15.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.7M |
| 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 | $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 | 72.37% |
| Net loans and leases to deposits | 71.61% |
| Loans and leases to core deposits | 78.05% |
| Core deposits to total deposits | 92.72% |
| 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 | 66.52% | 96.55% | $1.0M | $0 |
| Q4 2023 | 65.16% | 94.20% | $0 | $0 |
| Q1 2024 | 67.53% | 94.08% | $0 | $0 |
| Q2 2024 | 70.04% | 94.10% | $0 | $0 |
| Q3 2024 | 68.62% | 93.32% | $0 | $0 |
| Q4 2024 | 66.36% | 92.50% | $0 | $0 |
| Q1 2025 | 68.89% | 91.66% | $0 | $0 |
| Q2 2025 | 71.44% | 91.91% | $0 | $0 |
| Q3 2025 | 69.58% | 92.47% | $0 | $0 |
| Q4 2025 | 69.19% | 92.54% | $0 | $0 |
| Q1 2026 | 71.38% | 92.07% | $0 | $0 |
| Q2 2026 | 72.37% | 92.72% | $0 | $0 |
First National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5087) · FFIEC NIC profile (RSSD 392255)