Midcountry 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 Other borrowed money: 63.1% higher than in Q1 2026, at $90.5M. Within Minnesota, Midcountry Bank is 70th of 221 on loan-to-deposit ratio, 88.20% as of Q2 2026, above the middle of the field. At 88.20%, Midcountry Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $52.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $278.4M |
| Fed funds sold and reverse repos | $3.5M |
| Fed funds sold and reverse repos to assets | 0.33% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $90.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.20% |
| Net loans and leases to deposits | 86.63% |
| Loans and leases to core deposits | 93.51% |
| Core deposits to total deposits | 94.32% |
| 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 | 98.50% | 84.53% | $0 | $115.8M |
| Q4 2023 | 95.86% | 87.26% | $0 | $88.6M |
| Q1 2024 | 91.88% | 89.09% | $0 | $81.6M |
| Q2 2024 | 91.94% | 90.21% | $0 | $82.6M |
| Q3 2024 | 90.74% | 90.60% | $0 | $77.5M |
| Q4 2024 | 86.87% | 90.92% | $0 | $60.5M |
| Q1 2025 | 84.77% | 91.19% | $0 | $30.5M |
| Q2 2025 | 85.14% | 92.43% | $0 | $35.5M |
| Q3 2025 | 84.93% | 92.42% | $0 | $30.5M |
| Q4 2025 | 84.94% | 94.08% | $0 | $55.5M |
| Q1 2026 | 83.24% | 94.24% | $0 | $55.5M |
| Q2 2026 | 88.20% | 94.32% | $0 | $90.5M |
Midcountry Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Midcountry 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 Midcountry Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28865) · FFIEC NIC profile (RSSD 3971)