First State Bank of Swanville: 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 Loan-to-deposit ratio: 2.27 percentage points lower than in Q1 2026, at 78.22%. First State Bank of Swanville ranks 123rd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 78.22% (Q2 2026). First State Bank of Swanville reported 78.22% on loan-to-deposit ratio for Q2 2026, 10.60 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $8.7M |
| 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 | 78.22% |
| Net loans and leases to deposits | 77.23% |
| Loans and leases to core deposits | 78.22% |
| Core deposits to total deposits | 100.00% |
| 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 | 94.06% | 100.00% | $84K | $0 |
| Q4 2023 | 93.26% | 100.00% | $0 | $0 |
| Q1 2024 | 97.06% | 100.00% | $0 | $0 |
| Q2 2024 | 93.48% | 100.00% | $0 | $0 |
| Q3 2024 | 91.93% | 98.41% | $0 | $0 |
| Q4 2024 | 93.14% | 98.43% | $0 | $0 |
| Q1 2025 | 91.52% | 98.29% | $0 | $0 |
| Q2 2025 | 81.60% | 98.42% | $0 | $0 |
| Q3 2025 | 84.11% | 100.00% | $0 | $0 |
| Q4 2025 | 89.60% | 100.00% | $0 | $0 |
| Q1 2026 | 80.50% | 100.00% | $0 | $0 |
| Q2 2026 | 78.22% | 100.00% | $0 | $0 |
First State Bank of Swanville 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 Swanville, 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 Swanville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8218) · FFIEC NIC profile (RSSD 833851)