Minnesota First Credit and Savings, Incorporated: 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 Loan-to-deposit ratio: 4.12 percentage points higher than in Q1 2026, at 108.05%. Among 221 Minnesota banks, Minnesota First Credit and Savings, Incorporated sits 17th from the top on loan-to-deposit ratio, 108.05% as of Q2 2026. Minnesota First Credit and Savings, Incorporated's loan-to-deposit ratio of 108.05% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 40.43 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $2.6M |
| Fed funds sold and reverse repos | $350K |
| Fed funds sold and reverse repos to assets | 1.17% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $569K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.05% |
| Net loans and leases to deposits | 106.41% |
| Loans and leases to core deposits | 108.05% |
| Core deposits to total deposits | 96.19% |
| Brokered deposits to total deposits | 3.81% |
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 | 116.40% | 96.62% | $0 | $839K |
| Q4 2023 | 122.72% | 97.02% | $0 | $2.0M |
| Q1 2024 | 118.86% | 97.13% | $0 | $2.0M |
| Q2 2024 | 119.70% | 97.59% | $0 | $1.9M |
| Q3 2024 | 117.39% | 97.72% | $0 | $1.4M |
| Q4 2024 | 114.42% | 97.84% | $0 | $885K |
| Q1 2025 | 108.22% | 97.97% | $0 | $885K |
| Q2 2025 | 110.23% | 98.03% | $0 | $150K |
| Q3 2025 | 112.86% | 98.05% | $0 | $569K |
| Q4 2025 | 108.25% | 96.04% | $0 | $569K |
| Q1 2026 | 103.93% | 96.22% | $0 | $569K |
| Q2 2026 | 108.05% | 96.19% | $0 | $569K |
Minnesota First Credit and Savings, Incorporated liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnesota First Credit and Savings, Incorporated, 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 Minnesota First Credit and Savings, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26755) · FFIEC NIC profile (RSSD 821559)