The First National Bank of Proctor: 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.
Fed funds sold and reverse repos to assets dropped 5.67 percentage points in Q2 2026, from 11.36% to 5.69%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Proctor has the 15th lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 44.73% as of Q2 2026. The First National Bank of Proctor reported 44.73% on loan-to-deposit ratio for Q2 2026, 22.90 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.0M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 5.69% |
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 | 44.73% |
| Net loans and leases to deposits | 44.43% |
| Loans and leases to core deposits | 45.51% |
| Core deposits to total deposits | 98.28% |
| 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 | 54.52% | 100.00% | $0 | $0 |
| Q4 2023 | 53.20% | 100.00% | $0 | $0 |
| Q1 2024 | 53.49% | 100.00% | $0 | $0 |
| Q2 2024 | 54.34% | 100.00% | $0 | $0 |
| Q3 2024 | 54.12% | 100.00% | $0 | $0 |
| Q4 2024 | 50.89% | 99.12% | $0 | $0 |
| Q1 2025 | 48.73% | 99.14% | $0 | $0 |
| Q2 2025 | 46.94% | 99.14% | $0 | $0 |
| Q3 2025 | 45.21% | 99.14% | $0 | $0 |
| Q4 2025 | 43.94% | 99.13% | $0 | $0 |
| Q1 2026 | 43.20% | 98.32% | $0 | $0 |
| Q2 2026 | 44.73% | 98.28% | $0 | $0 |
The First National Bank of Proctor 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 Proctor, 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 Proctor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5232) · FFIEC NIC profile (RSSD 731957)