The First National Bank of Bemidji: 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 Other borrowed money: 94.2% higher than in Q1 2026, at $80.6M. Within Minnesota, The First National Bank of Bemidji is 173rd of 221 on loan-to-deposit ratio, 64.97% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The First National Bank of Bemidji sits 23.23 points lower, at 64.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.5M |
| Cash and noninterest-bearing balances to assets | 0.79% |
| Cash and securities | $503.3M |
| 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 | $61.8M |
| Other borrowed money | $80.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.97% |
| Net loans and leases to deposits | 64.55% |
| Loans and leases to core deposits | 76.66% |
| Core deposits to total deposits | 84.76% |
| 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 | 48.48% | 88.22% | $50.5M | $79.6M |
| Q4 2023 | 46.69% | 86.62% | $39.2M | $38.4M |
| Q1 2024 | 47.96% | 85.65% | $48.8M | $27.0M |
| Q2 2024 | 51.24% | 85.92% | $48.5M | $32.1M |
| Q3 2024 | 51.86% | 85.38% | $53.2M | $27.0M |
| Q4 2024 | 51.58% | 85.22% | $44.4M | $27.0M |
| Q1 2025 | 51.14% | 84.44% | $58.2M | $0 |
| Q2 2025 | 51.93% | 84.81% | $79.5M | $0 |
| Q3 2025 | 52.79% | 84.62% | $84.3M | $0 |
| Q4 2025 | 55.06% | 83.71% | $75.2M | $0 |
| Q1 2026 | 59.66% | 84.33% | $69.9M | $41.5M |
| Q2 2026 | 64.97% | 84.76% | $61.8M | $80.6M |
The First National Bank of Bemidji 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 of Bemidji, 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 of Bemidji profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5093) · FFIEC NIC profile (RSSD 363657)