Luminate 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.
Other borrowed money climbed 140.0% in Q2 2026, from $25.0M to $60.0M. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, Luminate Bank sits 13th from the top on loan-to-deposit ratio, 109.89% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Luminate Bank sits 29.05 points higher, at 109.89% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $57.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.3M |
| 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 | $60.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.89% |
| Net loans and leases to deposits | 108.83% |
| Loans and leases to core deposits | 111.81% |
| Core deposits to total deposits | 97.57% |
| Brokered deposits to total deposits | 0.71% |
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 | 114.59% | 72.89% | $0 | $22.5M |
| Q4 2023 | 111.64% | 73.20% | $0 | $17.7M |
| Q1 2024 | 105.95% | 73.88% | $0 | $8.7M |
| Q2 2024 | 138.49% | 79.50% | $0 | $78.0M |
| Q3 2024 | 119.94% | 84.82% | $0 | $31.3M |
| Q4 2024 | 103.78% | 88.22% | $0 | $16.8M |
| Q1 2025 | 116.22% | 88.22% | $0 | $33.1M |
| Q2 2025 | 98.32% | 93.29% | $0 | $10.0M |
| Q3 2025 | 91.32% | 92.41% | $0 | $19.2M |
| Q4 2025 | 86.20% | 97.13% | $0 | $8.6M |
| Q1 2026 | 99.35% | 97.13% | $0 | $25.0M |
| Q2 2026 | 109.89% | 97.57% | $0 | $60.0M |
Luminate Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Luminate 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 Luminate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16635) · FFIEC NIC profile (RSSD 310754)