The First State Bank of Rosemount: 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 Brokered deposits to total deposits: 6.51 percentage points lower than in Q1 2026, at 8.79%. Within Minnesota, The First State Bank of Rosemount is 137th of 221 on loan-to-deposit ratio, 74.27% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First State Bank of Rosemount sits 6.57 points lower, at 74.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.2M |
| 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 | $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 | 74.27% |
| Net loans and leases to deposits | 73.41% |
| Loans and leases to core deposits | 80.37% |
| Core deposits to total deposits | 83.62% |
| Brokered deposits to total deposits | 8.79% |
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 | 67.38% | 95.97% | $0 | $0 |
| Q4 2023 | 70.93% | 91.14% | $0 | $0 |
| Q1 2024 | 71.96% | 88.61% | $0 | $0 |
| Q2 2024 | 72.23% | 82.25% | $0 | $0 |
| Q3 2024 | 72.18% | 82.41% | $0 | $0 |
| Q4 2024 | 75.56% | 81.61% | $0 | $0 |
| Q1 2025 | 73.72% | 75.94% | $0 | $0 |
| Q2 2025 | 76.54% | 77.25% | $3.0M | $0 |
| Q3 2025 | 73.42% | 74.86% | $0 | $0 |
| Q4 2025 | 75.19% | 77.55% | $0 | $0 |
| Q1 2026 | 70.77% | 77.79% | $0 | $0 |
| Q2 2026 | 74.27% | 83.62% | $0 | $0 |
The First State Bank of Rosemount 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 Rosemount, 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 Rosemount profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9769) · FFIEC NIC profile (RSSD 760957)