Integrity Bank Plus: 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.
Loan-to-deposit ratio climbed 2.41 percentage points in Q2 2026, from 78.96% to 81.37%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Integrity Bank Plus is 111th of 221 on loan-to-deposit ratio, 81.37% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Integrity Bank Plus sits 14.04 points higher, at 81.37% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.2M |
| Fed funds sold and reverse repos | $4.8M |
| Fed funds sold and reverse repos to assets | 5.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $504K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.37% |
| Net loans and leases to deposits | 79.96% |
| Loans and leases to core deposits | 83.83% |
| Core deposits to total deposits | 97.06% |
| 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 | 81.91% | 97.13% | $0 | $1.7M |
| Q4 2023 | 89.96% | 97.72% | $0 | $7.4M |
| Q1 2024 | 88.45% | 96.81% | $0 | $6.3M |
| Q2 2024 | 84.82% | 96.36% | $0 | $6.3M |
| Q3 2024 | 81.96% | 96.41% | $0 | $329K |
| Q4 2024 | 73.39% | 96.62% | $0 | $312K |
| Q1 2025 | 71.35% | 96.73% | $0 | $279K |
| Q2 2025 | 83.75% | 96.69% | $0 | $1.3M |
| Q3 2025 | 80.38% | 96.66% | $0 | $356K |
| Q4 2025 | 84.18% | 96.70% | $0 | $1.5M |
| Q1 2026 | 78.96% | 96.88% | $0 | $504K |
| Q2 2026 | 81.37% | 97.06% | $0 | $504K |
Integrity Bank Plus liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank Plus, 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 Integrity Bank Plus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15578) · FFIEC NIC profile (RSSD 897451)