Foresight 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: 26.5% lower than in Q1 2026, at $4.4M. Within Minnesota, Foresight Bank is 27th of 221 on loan-to-deposit ratio, 102.12% as of Q2 2026. Foresight Bank reported 102.12% on loan-to-deposit ratio for Q2 2026, 21.57 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.8M |
| 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 | $45.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.12% |
| Net loans and leases to deposits | 101.10% |
| Loans and leases to core deposits | 118.18% |
| Core deposits to total deposits | 85.04% |
| Brokered deposits to total deposits | 4.85% |
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 | 96.59% | 91.74% | $41K | $20.8M |
| Q4 2023 | 99.32% | 91.34% | $220K | $30.2M |
| Q1 2024 | 106.54% | 89.81% | $0 | $43.9M |
| Q2 2024 | 105.03% | 87.89% | $196K | $39.4M |
| Q3 2024 | 98.20% | 88.86% | $0 | $16.2M |
| Q4 2024 | 96.53% | 89.79% | $0 | $28.6M |
| Q1 2025 | 93.96% | 85.67% | $0 | $18.7M |
| Q2 2025 | 100.12% | 82.99% | $0 | $42.3M |
| Q3 2025 | 90.99% | 86.61% | $0 | $22.7M |
| Q4 2025 | 96.42% | 86.46% | $0 | $27.6M |
| Q1 2026 | 100.32% | 85.74% | $0 | $40.0M |
| Q2 2026 | 102.12% | 85.04% | $0 | $45.2M |
Foresight Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Foresight 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 Foresight Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5229) · FFIEC NIC profile (RSSD 755458)