McIntosh County 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 Fed funds sold and reverse repos to assets: 6.22 percentage points lower than in Q1 2026, at 6.92%. McIntosh County Bank ranks 43rd of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 59.81% (Q2 2026). McIntosh County Bank reported 59.81% on loan-to-deposit ratio for Q2 2026, 21.03 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 | $11.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.8M |
| Fed funds sold and reverse repos | $8.2M |
| Fed funds sold and reverse repos to assets | 6.92% |
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 | 59.81% |
| Net loans and leases to deposits | 58.35% |
| Loans and leases to core deposits | 66.17% |
| Core deposits to total deposits | 90.39% |
| 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 | 72.60% | 93.73% | $4.8M | $7.5M |
| Q4 2023 | 73.11% | 93.79% | $4.0M | $9.5M |
| Q1 2024 | 67.31% | 93.21% | $0 | $9.5M |
| Q2 2024 | 63.92% | 92.60% | $0 | $9.5M |
| Q3 2024 | 69.92% | 92.16% | $0 | $7.5M |
| Q4 2024 | 73.14% | 92.96% | $0 | $8.0M |
| Q1 2025 | 66.83% | 92.27% | $0 | $3.0M |
| Q2 2025 | 67.13% | 91.46% | $0 | $3.0M |
| Q3 2025 | 70.52% | 89.39% | $0 | $4.5M |
| Q4 2025 | 68.40% | 89.54% | $0 | $1.0M |
| Q1 2026 | 56.90% | 90.53% | $0 | $0 |
| Q2 2026 | 59.81% | 90.39% | $0 | $0 |
McIntosh County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock McIntosh County 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 McIntosh County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13794) · FFIEC NIC profile (RSSD 720858)