Frandsen Bank & Trust: 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.
Other borrowed money dropped 35.0% in Q2 2026, from $83.3M to $54.2M. It was the largest change from Q1 2026 among the key lines here. Frandsen Bank & Trust ranks 114th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 80.59% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Frandsen Bank & Trust sits 7.62 points lower, at 80.59% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $138.6M |
| Cash and noninterest-bearing balances to assets | 3.79% |
| Cash and securities | $879.9M |
| 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 | $15.2M |
| Other borrowed money | $54.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.59% |
| Net loans and leases to deposits | 79.53% |
| Loans and leases to core deposits | 84.82% |
| Core deposits to total deposits | 95.01% |
| 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 | 84.51% | 97.00% | $21.1M | $276.1M |
| Q4 2023 | 82.96% | 96.64% | $24.4M | $230.0M |
| Q1 2024 | 81.68% | 95.71% | $20.1M | $203.7M |
| Q2 2024 | 83.42% | 95.33% | $26.9M | $172.4M |
| Q3 2024 | 83.33% | 95.30% | $20.0M | $116.2M |
| Q4 2024 | 82.29% | 95.04% | $20.9M | $115.7M |
| Q1 2025 | 81.10% | 95.00% | $17.1M | $113.8M |
| Q2 2025 | 82.89% | 94.97% | $22.6M | $98.7M |
| Q3 2025 | 82.01% | 94.89% | $16.8M | $83.5M |
| Q4 2025 | 79.87% | 95.37% | $21.5M | $83.4M |
| Q1 2026 | 79.74% | 94.96% | $14.0M | $83.3M |
| Q2 2026 | 80.59% | 95.01% | $15.2M | $54.2M |
Frandsen Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Frandsen Bank & Trust, 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 Frandsen Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1399) · FFIEC NIC profile (RSSD 751656)