Marshall County State 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 Cash and balances due from depository institutions: 11.0% higher than in Q1 2026, at $11.6M. On loan-to-deposit ratio, Marshall County State Bank is 7th from the bottom among 221 Minnesota banks, 37.99% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Marshall County State Bank sits 29.34 points lower, at 37.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.8M |
| 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 | 37.99% |
| Net loans and leases to deposits | 37.20% |
| Loans and leases to core deposits | 39.47% |
| Core deposits to total deposits | 96.24% |
| 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 | 41.55% | 97.47% | $0 | $0 |
| Q4 2023 | 40.36% | 96.70% | $0 | $0 |
| Q1 2024 | 39.24% | 95.93% | $0 | $0 |
| Q2 2024 | 40.11% | 95.92% | $0 | $0 |
| Q3 2024 | 42.29% | 94.28% | $0 | $0 |
| Q4 2024 | 41.19% | 95.26% | $0 | $0 |
| Q1 2025 | 41.50% | 95.05% | $0 | $0 |
| Q2 2025 | 40.39% | 94.48% | $0 | $0 |
| Q3 2025 | 42.03% | 93.56% | $0 | $0 |
| Q4 2025 | 37.75% | 93.94% | $0 | $0 |
| Q1 2026 | 38.51% | 96.16% | $0 | $0 |
| Q2 2026 | 37.99% | 96.24% | $0 | $0 |
Marshall County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Marshall County State 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 Marshall County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9752) · FFIEC NIC profile (RSSD 720157)