Heritage Bank Minnesota: 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 62.5% in Q2 2026, from $8.0M to $3.0M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Heritage Bank Minnesota is 66th of 221 on loan-to-deposit ratio, 89.98% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Heritage Bank Minnesota sits 9.15 points higher, at 89.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $15.9M |
| 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 | $0 |
| Other borrowed money | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.98% |
| Net loans and leases to deposits | 89.09% |
| Loans and leases to core deposits | 106.49% |
| Core deposits to total deposits | 84.50% |
| 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 | 87.02% | 81.56% | $0 | $4.8M |
| Q4 2023 | 97.18% | 83.98% | $0 | $13.1M |
| Q1 2024 | 94.46% | 80.70% | $0 | $11.6M |
| Q2 2024 | 94.97% | 80.45% | $0 | $10.6M |
| Q3 2024 | 89.70% | 77.40% | $0 | $5.9M |
| Q4 2024 | 93.39% | 76.81% | $0 | $8.9M |
| Q1 2025 | 87.59% | 72.31% | $0 | $3.0M |
| Q2 2025 | 86.10% | 73.66% | $0 | $3.0M |
| Q3 2025 | 92.71% | 80.01% | $0 | $6.0M |
| Q4 2025 | 92.40% | 78.66% | $0 | $5.0M |
| Q1 2026 | 89.01% | 85.64% | $0 | $8.0M |
| Q2 2026 | 89.98% | 84.50% | $0 | $3.0M |
Heritage Bank Minnesota liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank Minnesota, 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 Heritage Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8865) · FFIEC NIC profile (RSSD 777254)