Freeport State 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.
Fed funds sold and reverse repos dropped 34.7% in Q2 2026, from $4.9M to $3.2M. It was the largest change from Q1 2026 among the key lines here. Freeport State Bank ranks 127th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 77.30% (Q2 2026). Freeport State Bank reported 77.30% on loan-to-deposit ratio for Q2 2026, 3.25 points below 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 | $14.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.9M |
| Fed funds sold and reverse repos | $3.2M |
| Fed funds sold and reverse repos to assets | 1.93% |
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 | 77.30% |
| Net loans and leases to deposits | 76.64% |
| Loans and leases to core deposits | 82.03% |
| Core deposits to total deposits | 94.24% |
| Brokered deposits to total deposits | 0.34% |
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 | 65.43% | 96.70% | $0 | $0 |
| Q4 2023 | 64.35% | 96.15% | $0 | $0 |
| Q1 2024 | 65.41% | 95.97% | $0 | $0 |
| Q2 2024 | 68.10% | 95.26% | $0 | $0 |
| Q3 2024 | 67.84% | 94.78% | $0 | $0 |
| Q4 2024 | 68.46% | 94.31% | $0 | $0 |
| Q1 2025 | 66.27% | 93.30% | $0 | $0 |
| Q2 2025 | 72.02% | 93.68% | $0 | $0 |
| Q3 2025 | 70.97% | 94.30% | $0 | $0 |
| Q4 2025 | 72.87% | 93.47% | $0 | $0 |
| Q1 2026 | 74.57% | 93.23% | $0 | $0 |
| Q2 2026 | 77.30% | 94.24% | $0 | $0 |
Freeport State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Freeport State 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 Freeport State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8210) · FFIEC NIC profile (RSSD 72454)