First National Bank North: 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.
Net loans and leases to deposits rose 0.61 percentage points from Q1 2026 to Q2 2026, ending at 84.08% against 83.48%. It was the largest change among the key lines on this page. First National Bank North ranks 89th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 85.40% (Q2 2026). First National Bank North reported 85.40% on loan-to-deposit ratio for Q2 2026, 4.56 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 | $151.4M |
| Cash and noninterest-bearing balances to assets | 17.52% |
| Cash and securities | $209.5M |
| 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 | 85.40% |
| Net loans and leases to deposits | 84.08% |
| Loans and leases to core deposits | 96.08% |
| Core deposits to total deposits | 88.88% |
| 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 | 79.26% | 91.37% | $0 | $25.0M |
| Q4 2023 | 82.38% | 89.66% | $0 | $27.5M |
| Q1 2024 | 86.14% | 89.63% | $0 | $27.5M |
| Q2 2024 | 85.00% | 89.61% | $0 | $2.5M |
| Q3 2024 | 79.88% | 89.26% | $0 | $2.5M |
| Q4 2024 | 79.85% | 89.01% | $0 | $0 |
| Q1 2025 | 84.27% | 88.55% | $0 | $0 |
| Q2 2025 | 83.42% | 89.13% | $0 | $0 |
| Q3 2025 | 82.99% | 89.06% | $0 | $0 |
| Q4 2025 | 82.66% | 88.63% | $0 | $0 |
| Q1 2026 | 84.81% | 88.36% | $0 | $0 |
| Q2 2026 | 85.40% | 88.88% | $0 | $0 |
First National Bank North 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 North, 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 North profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5269) · FFIEC NIC profile (RSSD 805755)