Kensington 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.
Loans and leases to core deposits dropped 1.84 percentage points in Q2 2026, from 98.25% to 96.41%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Kensington Bank is 62nd of 221 on loan-to-deposit ratio, 91.34% 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. Kensington Bank sits 10.50 points higher, at 91.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $80.3M |
| 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 | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.34% |
| Net loans and leases to deposits | 90.69% |
| Loans and leases to core deposits | 96.41% |
| Core deposits to total deposits | 93.41% |
| Brokered deposits to total deposits | 1.33% |
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 | 90.06% | 96.13% | $17.4M | $6.3M |
| Q4 2023 | 96.60% | 95.43% | $19.6M | $27.3M |
| Q1 2024 | 93.04% | 89.86% | $0 | $27.3M |
| Q2 2024 | 94.38% | 88.33% | $1.1M | $27.3M |
| Q3 2024 | 91.90% | 85.18% | $0 | $36.8M |
| Q4 2024 | 86.15% | 85.78% | $0 | $15.6M |
| Q1 2025 | 84.40% | 86.47% | $0 | $15.6M |
| Q2 2025 | 88.90% | 85.96% | $0 | $15.6M |
| Q3 2025 | 89.32% | 85.50% | $0 | $15.0M |
| Q4 2025 | 91.20% | 91.86% | $750K | $15.0M |
| Q1 2026 | 92.50% | 92.83% | $0 | $22.5M |
| Q2 2026 | 91.34% | 93.41% | $0 | $20.0M |
Kensington Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kensington 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 Kensington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1409) · FFIEC NIC profile (RSSD 58757)