Lake Country Community 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.67 percentage points higher than in Q1 2026, at 64.06%. Lake Country Community Bank ranks 182nd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 61.50% (Q2 2026). Lake Country Community Bank reported 61.50% on loan-to-deposit ratio for Q2 2026, 6.12 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $13.0M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 3.19% |
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 | 61.50% |
| Net loans and leases to deposits | 60.68% |
| Loans and leases to core deposits | 64.06% |
| Core deposits to total deposits | 96.00% |
| 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 | 37.41% | 96.99% | $0 | $0 |
| Q4 2023 | 36.80% | 97.19% | $0 | $0 |
| Q1 2024 | 42.63% | 96.98% | $0 | $0 |
| Q2 2024 | 40.98% | 95.79% | $0 | $0 |
| Q3 2024 | 37.43% | 94.50% | $0 | $0 |
| Q4 2024 | 35.76% | 90.58% | $0 | $0 |
| Q1 2025 | 46.56% | 90.31% | $0 | $0 |
| Q2 2025 | 49.66% | 90.01% | $0 | $0 |
| Q3 2025 | 45.74% | 90.08% | $0 | $0 |
| Q4 2025 | 47.63% | 96.35% | $0 | $0 |
| Q1 2026 | 58.23% | 98.04% | $0 | $0 |
| Q2 2026 | 61.50% | 96.00% | $0 | $0 |
Lake Country Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Country Community 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 Lake Country Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17122) · FFIEC NIC profile (RSSD 706450)