First Security Bank - Sleepy Eye: 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 Net loans and leases to deposits: 1.10 percentage points lower than in Q1 2026, at 25.39%. On loan-to-deposit ratio, First Security Bank - Sleepy Eye is 4th from the bottom among 221 Minnesota banks, 25.76% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, First Security Bank - Sleepy Eye reported 25.76% on loan-to-deposit ratio in Q2 2026, 55.08 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $89.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $137.2M |
| 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 | $475K |
| 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 | 25.76% |
| Net loans and leases to deposits | 25.39% |
| Loans and leases to core deposits | 26.70% |
| Core deposits to total deposits | 96.49% |
| 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 | 36.46% | 97.82% | $789K | $0 |
| Q4 2023 | 35.03% | 97.26% | $794K | $0 |
| Q1 2024 | 36.07% | 97.66% | $689K | $0 |
| Q2 2024 | 35.83% | 96.60% | $625K | $0 |
| Q3 2024 | 33.44% | 96.75% | $669K | $0 |
| Q4 2024 | 34.15% | 96.87% | $118K | $0 |
| Q1 2025 | 34.99% | 96.63% | $361K | $0 |
| Q2 2025 | 36.50% | 96.67% | $158K | $0 |
| Q3 2025 | 33.61% | 96.59% | $384K | $0 |
| Q4 2025 | 29.24% | 97.01% | $237K | $0 |
| Q1 2026 | 26.83% | 96.71% | $257K | $0 |
| Q2 2026 | 25.76% | 96.49% | $475K | $0 |
First Security Bank - Sleepy Eye 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 - Sleepy Eye, 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 - Sleepy Eye profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5252) · FFIEC NIC profile (RSSD 861658)