First National Bank Minnesota: 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: 235.3% higher than in Q1 2026, at $6.8M. Within Minnesota, First National Bank Minnesota is 73rd of 221 on loan-to-deposit ratio, 88.09% as of Q2 2026, above the middle of the field. First National Bank Minnesota reported 88.09% on loan-to-deposit ratio for Q2 2026, 7.26 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 | $14.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $87.8M |
| Fed funds sold and reverse repos | $6.8M |
| Fed funds sold and reverse repos to assets | 1.55% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $19.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.09% |
| Net loans and leases to deposits | 86.96% |
| Loans and leases to core deposits | 92.46% |
| Core deposits to total deposits | 95.28% |
| 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 | 87.41% | 95.68% | $0 | $13.0M |
| Q4 2023 | 84.47% | 95.28% | $0 | $13.0M |
| Q1 2024 | 87.90% | 95.64% | $0 | $23.0M |
| Q2 2024 | 89.84% | 95.77% | $0 | $29.8M |
| Q3 2024 | 89.50% | 95.78% | $0 | $32.0M |
| Q4 2024 | 86.38% | 96.58% | $0 | $24.0M |
| Q1 2025 | 86.47% | 95.96% | $0 | $21.0M |
| Q2 2025 | 89.34% | 95.62% | $0 | $30.0M |
| Q3 2025 | 89.34% | 95.63% | $0 | $28.5M |
| Q4 2025 | 87.65% | 96.07% | $0 | $20.0M |
| Q1 2026 | 89.30% | 95.17% | $0 | $18.5M |
| Q2 2026 | 88.09% | 95.28% | $0 | $19.0M |
First National Bank Minnesota 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 Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5247) · FFIEC NIC profile (RSSD 197759)