First Southeast 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 Cash and balances due from depository institutions: 35.9% higher than in Q1 2026, at $2.3M. On loan-to-deposit ratio, First Southeast Bank ranks 6th highest among the 221 banks headquartered in Minnesota, at 118.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Southeast Bank sits 37.80 points higher, at 118.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.3M |
| 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 | $28.9M |
| Other borrowed money | $1.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 118.35% |
| Net loans and leases to deposits | 117.23% |
| Loans and leases to core deposits | 131.70% |
| Core deposits to total deposits | 80.27% |
| Brokered deposits to total deposits | 10.46% |
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 | 95.53% | 88.49% | $11.4M | $5.9M |
| Q4 2023 | 90.25% | 88.04% | $5.6M | $6.1M |
| Q1 2024 | 98.68% | 87.31% | $10.1M | $6.0M |
| Q2 2024 | 103.26% | 87.54% | $15.1M | $3.5M |
| Q3 2024 | 99.04% | 86.88% | $9.4M | $3.5M |
| Q4 2024 | 111.75% | 85.82% | $23.0M | $3.5M |
| Q1 2025 | 107.53% | 85.60% | $16.1M | $3.6M |
| Q2 2025 | 116.72% | 82.47% | $27.6M | $1.1M |
| Q3 2025 | 116.01% | 81.57% | $26.4M | $1.1M |
| Q4 2025 | 113.47% | 80.21% | $24.9M | $1.1M |
| Q1 2026 | 119.75% | 80.74% | $28.7M | $1.0M |
| Q2 2026 | 118.35% | 80.27% | $28.9M | $1.1M |
First Southeast Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southeast 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 Southeast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10576) · FFIEC NIC profile (RSSD 22552)