The First National Bank of Cokato: 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: 5.50 percentage points lower than in Q1 2026, at 76.42%. Within Minnesota, The First National Bank of Cokato is 141st of 221 on loan-to-deposit ratio, 73.57% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The First National Bank of Cokato sits 7.38 points lower, at 73.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.1M |
| 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 | 73.57% |
| Net loans and leases to deposits | 72.58% |
| Loans and leases to core deposits | 76.42% |
| Core deposits to total deposits | 96.27% |
| 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 | 69.63% | 93.81% | $0 | $11.0M |
| Q4 2023 | 80.50% | 92.79% | $0 | $16.0M |
| Q1 2024 | 81.36% | 97.23% | $0 | $14.0M |
| Q2 2024 | 81.26% | 96.37% | $0 | $10.0M |
| Q3 2024 | 83.06% | 94.90% | $0 | $10.0M |
| Q4 2024 | 79.79% | 94.69% | $0 | $0 |
| Q1 2025 | 69.51% | 96.10% | $0 | $0 |
| Q2 2025 | 73.45% | 96.35% | $0 | $0 |
| Q3 2025 | 79.86% | 96.04% | $0 | $0 |
| Q4 2025 | 81.17% | 95.97% | $0 | $0 |
| Q1 2026 | 78.65% | 96.00% | $0 | $0 |
| Q2 2026 | 73.57% | 96.27% | $0 | $0 |
The First National Bank of Cokato 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 Cokato, 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 Cokato profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5115) · FFIEC NIC profile (RSSD 280558)