The First National Bank of Osakis: 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.
Cash and securities fell 6.4% from Q1 2026 to Q2 2026, ending at $10.9M against $11.7M. It was the largest change among the key lines on this page. The First National Bank of Osakis ranks 30th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 101.29% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. The First National Bank of Osakis sits 33.37 points higher, at 101.29% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $10.9M |
| Fed funds sold and reverse repos | $49K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.29% |
| Net loans and leases to deposits | 100.37% |
| Loans and leases to core deposits | 107.10% |
| Core deposits to total deposits | 94.58% |
| 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 | 96.60% | 94.54% | $408K | $8.0M |
| Q4 2023 | 96.71% | 95.11% | $0 | $8.7M |
| Q1 2024 | 98.13% | 94.24% | $0 | $9.2M |
| Q2 2024 | 100.04% | 94.56% | $92K | $9.5M |
| Q3 2024 | 97.58% | 94.17% | $0 | $8.0M |
| Q4 2024 | 95.55% | 95.30% | $0 | $5.8M |
| Q1 2025 | 98.96% | 95.12% | $0 | $8.7M |
| Q2 2025 | 101.43% | 94.70% | $0 | $9.6M |
| Q3 2025 | 100.82% | 94.72% | $0 | $8.6M |
| Q4 2025 | 99.88% | 94.75% | $0 | $7.8M |
| Q1 2026 | 100.93% | 94.52% | $0 | $7.5M |
| Q2 2026 | 101.29% | 94.58% | $0 | $7.2M |
The First National Bank of Osakis 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 Osakis, 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 Osakis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5221) · FFIEC NIC profile (RSSD 726458)