Mi 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.
Loans and leases to core deposits climbed 9.95 percentage points in Q2 2026, from 87.37% to 97.32%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Mi Bank is 17th of 72 on loan-to-deposit ratio, 94.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Mi Bank sits 14.17 points higher, at 94.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.5M |
| 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 | 94.73% |
| Net loans and leases to deposits | 93.67% |
| Loans and leases to core deposits | 97.32% |
| Core deposits to total deposits | 76.64% |
| Brokered deposits to total deposits | 20.70% |
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 | 77.11% | 76.02% | $0 | $0 |
| Q4 2023 | 80.12% | 78.07% | $0 | $0 |
| Q1 2024 | 87.89% | 65.91% | $0 | $0 |
| Q2 2024 | 90.81% | 67.09% | $0 | $0 |
| Q3 2024 | 92.37% | 67.82% | $0 | $0 |
| Q4 2024 | 81.80% | 75.48% | $0 | $0 |
| Q1 2025 | 81.69% | 70.43% | $0 | $0 |
| Q2 2025 | 92.03% | 75.23% | $0 | $0 |
| Q3 2025 | 94.20% | 74.03% | $0 | $0 |
| Q4 2025 | 75.53% | 78.33% | $0 | $0 |
| Q1 2026 | 85.08% | 76.10% | $0 | $0 |
| Q2 2026 | 94.73% | 76.64% | $0 | $0 |
Mi Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mi 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 Mi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59138) · FFIEC NIC profile (RSSD 5332603)