Midwest 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 purchased and repos: 125.8% higher than in Q1 2026, at $85.7M. Among 221 Minnesota banks, Midwest Bank sits 10th from the top on loan-to-deposit ratio, 112.92% as of Q2 2026. Midwest Bank reported 112.92% on loan-to-deposit ratio for Q2 2026, 32.36 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.4M |
| Cash and noninterest-bearing balances to assets | 1.77% |
| Cash and securities | $71.4M |
| 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 | $85.7M |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.92% |
| Net loans and leases to deposits | 111.90% |
| Loans and leases to core deposits | 122.60% |
| Core deposits to total deposits | 88.93% |
| Brokered deposits to total deposits | 3.17% |
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 | 92.04% | 94.08% | $26.4M | $0 |
| Q4 2023 | 95.44% | 93.60% | $40.6M | $0 |
| Q1 2024 | 96.93% | 91.91% | $16.9M | $10.0M |
| Q2 2024 | 103.46% | 91.73% | $50.7M | $15.0M |
| Q3 2024 | 100.78% | 87.47% | $12.4M | $20.0M |
| Q4 2024 | 96.62% | 88.62% | $0 | $20.0M |
| Q1 2025 | 101.82% | 88.77% | $4.2M | $15.0M |
| Q2 2025 | 104.71% | 90.94% | $19.9M | $20.0M |
| Q3 2025 | 105.04% | 88.83% | $10.0M | $20.0M |
| Q4 2025 | 106.19% | 89.17% | $24.5M | $20.0M |
| Q1 2026 | 108.13% | 92.49% | $38.0M | $15.0M |
| Q2 2026 | 112.92% | 88.93% | $85.7M | $10.0M |
Midwest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest 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 Midwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9737) · FFIEC NIC profile (RSSD 806958)