The First National Bank at Saint James: 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 Loans and leases to core deposits: 5.35 percentage points lower than in Q1 2026, at 68.57%. The First National Bank at Saint James ranks 168th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 66.93% (Q2 2026). At 66.93%, The First National Bank at Saint James's loan-to-deposit ratio is close to the 67.62% median for banks in the < $100M asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $13.1M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 2.88% |
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 | 66.93% |
| Net loans and leases to deposits | 65.87% |
| Loans and leases to core deposits | 68.57% |
| Core deposits to total deposits | 97.61% |
| 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 | 70.22% | 97.66% | $716K | $0 |
| Q4 2023 | 73.80% | 97.61% | $987K | $0 |
| Q1 2024 | 67.90% | 97.69% | $0 | $0 |
| Q2 2024 | 71.44% | 97.58% | $0 | $0 |
| Q3 2024 | 75.83% | 96.82% | $0 | $0 |
| Q4 2024 | 72.27% | 96.17% | $0 | $0 |
| Q1 2025 | 71.76% | 96.90% | $0 | $0 |
| Q2 2025 | 70.20% | 98.35% | $0 | $0 |
| Q3 2025 | 77.77% | 98.22% | $0 | $0 |
| Q4 2025 | 73.90% | 98.27% | $0 | $0 |
| Q1 2026 | 72.06% | 97.50% | $0 | $0 |
| Q2 2026 | 66.93% | 97.61% | $0 | $0 |
The First National Bank at Saint James liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank at Saint James, 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 The First National Bank at Saint James profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14853) · FFIEC NIC profile (RSSD 794653)