Keen Bank, N.A.: 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 Loans and leases to core deposits: 1.95 percentage points lower than in Q1 2026, at 88.29%. Keen Bank, N.A. ranks 107th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 81.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Keen Bank, N.A. reported 81.93% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.7M |
| 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 | $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 | 81.93% |
| Net loans and leases to deposits | 80.88% |
| Loans and leases to core deposits | 88.29% |
| Core deposits to total deposits | 92.80% |
| 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 | 84.15% | 93.41% | $1.5M | $2.0M |
| Q4 2023 | 80.92% | 93.41% | $0 | $2.0M |
| Q1 2024 | 78.99% | 92.20% | $0 | $2.0M |
| Q2 2024 | 82.17% | 92.74% | $0 | $2.0M |
| Q3 2024 | 83.56% | 92.74% | $0 | $2.0M |
| Q4 2024 | 79.20% | 94.15% | $0 | $2.0M |
| Q1 2025 | 78.83% | 93.32% | $0 | $0 |
| Q2 2025 | 80.65% | 91.81% | $0 | $0 |
| Q3 2025 | 83.15% | 92.13% | $0 | $0 |
| Q4 2025 | 81.32% | 91.87% | $0 | $0 |
| Q1 2026 | 82.61% | 91.54% | $0 | $0 |
| Q2 2026 | 81.93% | 92.80% | $0 | $0 |
Keen Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Keen Bank, N.A., 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 Keen Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5270) · FFIEC NIC profile (RSSD 837354)