The Miners National Bank of Eveleth: 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 14.5% in Q2 2026, from $10.8M to $12.3M. It was the largest change from Q1 2026 among the key lines here. The Miners National Bank of Eveleth ranks 127th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 77.25% (Q2 2026). The Miners National Bank of Eveleth reported 77.25% on loan-to-deposit ratio for Q2 2026, 9.62 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.8M |
| 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 | $5K |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.25% |
| Net loans and leases to deposits | 76.40% |
| Loans and leases to core deposits | 83.67% |
| Core deposits to total deposits | 92.33% |
| 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 | 81.26% | 94.65% | $0 | $3.5M |
| Q4 2023 | 79.00% | 94.81% | $0 | $0 |
| Q1 2024 | 80.44% | 95.16% | $0 | $0 |
| Q2 2024 | 86.76% | 96.21% | $2.5M | $0 |
| Q3 2024 | 79.82% | 96.22% | $0 | $2.0M |
| Q4 2024 | 78.87% | 96.21% | $0 | $2.0M |
| Q1 2025 | 83.79% | 95.63% | $0 | $2.0M |
| Q2 2025 | 83.68% | 92.68% | $0 | $2.0M |
| Q3 2025 | 81.32% | 92.90% | $0 | $2.0M |
| Q4 2025 | 75.58% | 92.76% | $0 | $2.0M |
| Q1 2026 | 77.66% | 91.25% | $0 | $2.0M |
| Q2 2026 | 77.25% | 92.33% | $5K | $2.0M |
The Miners National Bank of Eveleth liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Miners National Bank of Eveleth, 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 The Miners National Bank of Eveleth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5141) · FFIEC NIC profile (RSSD 43856)