First State Bank of Le Center: 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 Fed funds sold and reverse repos: 46.1% lower than in Q1 2026, at $2.8M. Within Minnesota, First State Bank of Le Center is 94th of 221 on loan-to-deposit ratio, 84.29% as of Q2 2026, above the middle of the field. First State Bank of Le Center reported 84.29% on loan-to-deposit ratio for Q2 2026, 3.46 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.4M |
| Fed funds sold and reverse repos | $2.8M |
| Fed funds sold and reverse repos to assets | 2.54% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.0M |
| 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 | 84.29% |
| Net loans and leases to deposits | 83.26% |
| Loans and leases to core deposits | 91.76% |
| Core deposits to total deposits | 91.87% |
| 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 | 69.20% | 97.90% | $500K | $2.0M |
| Q4 2023 | 67.53% | 97.99% | $2.5M | $2.0M |
| Q1 2024 | 70.41% | 97.29% | $2.5M | $2.0M |
| Q2 2024 | 73.46% | 96.38% | $2.5M | $2.0M |
| Q3 2024 | 77.36% | 95.95% | $2.5M | $2.0M |
| Q4 2024 | 76.45% | 96.01% | $2.5M | $2.0M |
| Q1 2025 | 74.39% | 96.13% | $2.5M | $2.0M |
| Q2 2025 | 76.37% | 93.38% | $5.0M | $0 |
| Q3 2025 | 79.22% | 93.38% | $5.0M | $0 |
| Q4 2025 | 78.72% | 93.48% | $5.0M | $0 |
| Q1 2026 | 81.98% | 92.55% | $5.0M | $0 |
| Q2 2026 | 84.29% | 91.87% | $5.0M | $0 |
First State Bank of Le Center liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Le Center, 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 State Bank of Le Center profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9330) · FFIEC NIC profile (RSSD 986159)