The First State Bank of Red Wing: 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.
Cash and balances due from depository institutions climbed 12.3% in Q2 2026, from $13.2M to $14.8M. It was the largest change from Q1 2026 among the key lines here. The First State Bank of Red Wing has the 11th lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 41.53% as of Q2 2026. The First State Bank of Red Wing reported 41.53% on loan-to-deposit ratio for Q2 2026, 26.09 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 | $14.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.1M |
| 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 | $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 | 41.53% |
| Net loans and leases to deposits | 41.18% |
| Loans and leases to core deposits | 43.19% |
| Core deposits to total deposits | 96.17% |
| 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 | 41.21% | 97.46% | $0 | $3.0M |
| Q4 2023 | 43.62% | 97.11% | $0 | $3.0M |
| Q1 2024 | 43.89% | 97.08% | $0 | $5.5M |
| Q2 2024 | 43.10% | 96.89% | $0 | $2.5M |
| Q3 2024 | 43.33% | 97.90% | $0 | $2.5M |
| Q4 2024 | 41.31% | 95.32% | $0 | $0 |
| Q1 2025 | 41.16% | 94.72% | $0 | $0 |
| Q2 2025 | 42.65% | 94.77% | $0 | $0 |
| Q3 2025 | 43.88% | 94.66% | $0 | $0 |
| Q4 2025 | 42.70% | 96.03% | $0 | $0 |
| Q1 2026 | 42.16% | 96.46% | $0 | $0 |
| Q2 2026 | 41.53% | 96.17% | $0 | $0 |
The First State Bank of Red Wing liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Red Wing, 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 State Bank of Red Wing profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8191) · FFIEC NIC profile (RSSD 818559)