The First National Bank of McIntosh: 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.
Core deposits to total deposits climbed 1.88 percentage points in Q2 2026, from 87.81% to 89.69%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank of McIntosh is 12th from the bottom among 221 Minnesota banks, 41.60% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of McIntosh sits 26.02 points lower, at 41.60% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.4M |
| 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 | 41.60% |
| Net loans and leases to deposits | 40.72% |
| Loans and leases to core deposits | 46.39% |
| Core deposits to total deposits | 89.69% |
| 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 | 57.45% | 89.15% | $0 | $0 |
| Q4 2023 | 60.99% | 89.02% | $0 | $0 |
| Q1 2024 | 60.15% | 86.71% | $0 | $0 |
| Q2 2024 | 59.81% | 86.73% | $0 | $0 |
| Q3 2024 | 60.74% | 84.02% | $0 | $0 |
| Q4 2024 | 54.55% | 83.61% | $0 | $0 |
| Q1 2025 | 53.26% | 84.10% | $0 | $0 |
| Q2 2025 | 49.97% | 84.50% | $0 | $0 |
| Q3 2025 | 50.59% | 85.51% | $0 | $0 |
| Q4 2025 | 44.64% | 86.40% | $0 | $0 |
| Q1 2026 | 42.32% | 87.81% | $0 | $0 |
| Q2 2026 | 41.60% | 89.69% | $0 | $0 |
The First National Bank of McIntosh 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 McIntosh, 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 McIntosh profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5196) · FFIEC NIC profile (RSSD 988256)