Mid-Central National 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.
Cash and balances due from depository institutions climbed 160.7% in Q2 2026, from $6.3M to $16.4M. It was the largest change from Q1 2026 among the key lines here. Mid-Central National Bank ranks 49th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 93.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Mid-Central National Bank sits 13.13 points higher, at 93.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.3M |
| 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 | $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 | 93.97% |
| Net loans and leases to deposits | 93.18% |
| Loans and leases to core deposits | 96.33% |
| Core deposits to total deposits | 97.55% |
| 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 | 77.49% | 97.90% | $0 | $0 |
| Q4 2023 | 78.30% | 98.12% | $0 | $0 |
| Q1 2024 | 80.03% | 98.08% | $0 | $0 |
| Q2 2024 | 81.74% | 98.02% | $0 | $0 |
| Q3 2024 | 81.87% | 97.28% | $0 | $0 |
| Q4 2024 | 82.63% | 97.76% | $0 | $0 |
| Q1 2025 | 82.75% | 98.10% | $0 | $0 |
| Q2 2025 | 87.87% | 97.98% | $0 | $0 |
| Q3 2025 | 91.50% | 97.92% | $0 | $0 |
| Q4 2025 | 95.46% | 97.87% | $0 | $0 |
| Q1 2026 | 95.75% | 97.58% | $0 | $0 |
| Q2 2026 | 93.97% | 97.55% | $0 | $0 |
Mid-Central National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mid-Central National 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 Mid-Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30943) · FFIEC NIC profile (RSSD 773171)