Lake Elmo 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.
Fed funds purchased and repos dropped 35.7% in Q2 2026, from $6.0M to $3.8M. It was the largest change from Q1 2026 among the key lines here. Lake Elmo Bank ranks 54th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 92.54% (Q2 2026). Lake Elmo Bank reported 92.54% on loan-to-deposit ratio for Q2 2026, 11.71 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $46.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.1M |
| 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 | $3.8M |
| 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 | 92.54% |
| Net loans and leases to deposits | 91.31% |
| Loans and leases to core deposits | 98.80% |
| Core deposits to total deposits | 93.67% |
| 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 | 86.82% | 97.63% | $7.2M | $0 |
| Q4 2023 | 85.78% | 97.12% | $5.4M | $0 |
| Q1 2024 | 88.02% | 96.84% | $5.3M | $0 |
| Q2 2024 | 89.85% | 96.06% | $7.5M | $0 |
| Q3 2024 | 89.90% | 95.45% | $5.3M | $0 |
| Q4 2024 | 87.46% | 94.80% | $3.9M | $0 |
| Q1 2025 | 86.37% | 94.64% | $3.9M | $0 |
| Q2 2025 | 91.69% | 94.20% | $3.2M | $0 |
| Q3 2025 | 90.97% | 94.15% | $3.5M | $0 |
| Q4 2025 | 87.94% | 94.31% | $4.2M | $0 |
| Q1 2026 | 90.06% | 94.33% | $6.0M | $0 |
| Q2 2026 | 92.54% | 93.67% | $3.8M | $0 |
Lake Elmo Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Elmo 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 Elmo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15443) · FFIEC NIC profile (RSSD 1015850)