The First National Bank of Milaca: 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.
Loans and leases to core deposits climbed 3.28 percentage points in Q2 2026, from 76.15% to 79.43%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Milaca ranks 132nd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 76.24% (Q2 2026). The First National Bank of Milaca reported 76.24% on loan-to-deposit ratio for Q2 2026, 4.71 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $90.3M |
| Fed funds sold and reverse repos | $200K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.85% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.24% |
| Net loans and leases to deposits | 75.46% |
| Loans and leases to core deposits | 79.43% |
| Core deposits to total deposits | 95.98% |
| 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 | 66.73% | 98.28% | $0 | $5.0M |
| Q4 2023 | 68.50% | 96.93% | $0 | $0 |
| Q1 2024 | 72.22% | 96.43% | $700K | $0 |
| Q2 2024 | 72.43% | 96.43% | $0 | $0 |
| Q3 2024 | 71.85% | 96.11% | $0 | $0 |
| Q4 2024 | 69.75% | 95.18% | $0 | $0 |
| Q1 2025 | 69.37% | 95.39% | $0 | $0 |
| Q2 2025 | 73.67% | 94.98% | $1.5M | $5.0M |
| Q3 2025 | 71.10% | 94.88% | $0 | $0 |
| Q4 2025 | 72.26% | 95.76% | $0 | $0 |
| Q1 2026 | 73.22% | 96.14% | $0 | $0 |
| Q2 2026 | 76.24% | 95.98% | $0 | $2.5M |
The First National Bank of Milaca 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 Milaca, 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 Milaca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5198) · FFIEC NIC profile (RSSD 924357)