The First National Bank of Moose Lake: 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: 52.9% lower than in Q1 2026, at $1.8M. Within Minnesota, The First National Bank of Moose Lake is 86th of 221 on loan-to-deposit ratio, 85.72% as of Q2 2026, above the middle of the field. The First National Bank of Moose Lake reported 85.72% on loan-to-deposit ratio for Q2 2026, 4.88 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 | $12.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.5M |
| Fed funds sold and reverse repos | $6.2M |
| Fed funds sold and reverse repos to assets | 4.62% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.37% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.72% |
| Net loans and leases to deposits | 84.74% |
| Loans and leases to core deposits | 100.51% |
| Core deposits to total deposits | 78.79% |
| Brokered deposits to total deposits | 6.49% |
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 | 81.24% | 78.10% | $0 | $6.4M |
| Q4 2023 | 79.64% | 79.69% | $0 | $6.3M |
| Q1 2024 | 79.70% | 78.63% | $0 | $6.3M |
| Q2 2024 | 82.42% | 76.78% | $0 | $6.2M |
| Q3 2024 | 81.60% | 78.19% | $0 | $6.2M |
| Q4 2024 | 83.53% | 74.93% | $0 | $5.1M |
| Q1 2025 | 84.23% | 76.06% | $0 | $5.1M |
| Q2 2025 | 87.85% | 76.43% | $0 | $4.0M |
| Q3 2025 | 87.73% | 76.61% | $0 | $4.0M |
| Q4 2025 | 83.93% | 78.57% | $0 | $3.9M |
| Q1 2026 | 87.21% | 80.31% | $0 | $3.9M |
| Q2 2026 | 85.72% | 78.79% | $0 | $1.8M |
The First National Bank of Moose Lake 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 Moose Lake, 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 Moose Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5214) · FFIEC NIC profile (RSSD 706058)