Liberty Bank Minnesota: 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 climbed 1.30 percentage points in Q2 2026, from 51.93% to 53.23%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Liberty Bank Minnesota is 21st from the bottom among 221 Minnesota banks, 52.21% (Q2 2026). Liberty Bank Minnesota reported 52.21% on loan-to-deposit ratio for Q2 2026, 28.63 points below 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 | $45.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $134.4M |
| 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 | 52.21% |
| Net loans and leases to deposits | 51.69% |
| Loans and leases to core deposits | 53.23% |
| Core deposits to total deposits | 98.07% |
| 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 | 53.42% | 99.37% | $3.5M | $0 |
| Q4 2023 | 55.50% | 99.09% | $6.5M | $0 |
| Q1 2024 | 54.15% | 98.99% | $0 | $0 |
| Q2 2024 | 60.06% | 99.15% | $0 | $13.5M |
| Q3 2024 | 57.74% | 98.92% | $0 | $0 |
| Q4 2024 | 58.76% | 99.29% | $0 | $700K |
| Q1 2025 | 55.12% | 99.21% | $0 | $0 |
| Q2 2025 | 57.26% | 98.45% | $0 | $0 |
| Q3 2025 | 55.70% | 98.45% | $0 | $0 |
| Q4 2025 | 53.62% | 98.39% | $0 | $0 |
| Q1 2026 | 51.00% | 98.22% | $0 | $0 |
| Q2 2026 | 52.21% | 98.07% | $0 | $0 |
Liberty Bank Minnesota liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank Minnesota, 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 Liberty Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26891) · FFIEC NIC profile (RSSD 1387203)