First Security Bank: 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 Loans and leases to core deposits: 2.77 percentage points lower than in Q1 2026, at 107.22%. First Security Bank ranks 37th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 100.00% (Q2 2026). First Security Bank reported 100.00% on loan-to-deposit ratio for Q2 2026, 19.45 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.0M |
| 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 | $28.2M |
| 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 | 100.00% |
| Net loans and leases to deposits | 98.64% |
| Loans and leases to core deposits | 107.22% |
| Core deposits to total deposits | 69.39% |
| Brokered deposits to total deposits | 23.88% |
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 | 101.85% | 84.51% | $25.0M | $1.0M |
| Q4 2023 | 109.11% | 84.91% | $29.5M | $0 |
| Q1 2024 | 106.27% | 78.86% | $27.2M | $0 |
| Q2 2024 | 89.45% | 67.67% | $12.0M | $0 |
| Q3 2024 | 96.33% | 66.78% | $18.0M | $0 |
| Q4 2024 | 100.40% | 67.85% | $24.5M | $0 |
| Q1 2025 | 98.75% | 68.07% | $20.3M | $0 |
| Q2 2025 | 104.15% | 67.94% | $28.6M | $0 |
| Q3 2025 | 101.64% | 68.00% | $23.3M | $0 |
| Q4 2025 | 102.22% | 67.93% | $25.6M | $0 |
| Q1 2026 | 102.13% | 68.71% | $27.4M | $0 |
| Q2 2026 | 100.00% | 69.39% | $28.2M | $0 |
First Security Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank, 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 First Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9728) · FFIEC NIC profile (RSSD 109154)