Minnesota Lakes 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.
Loans and leases to core deposits dropped 5.48 percentage points in Q2 2026, from 74.92% to 69.45%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Minnesota Lakes Bank is 170th of 221 on loan-to-deposit ratio, 66.42% as of Q2 2026, below the middle of the field. Minnesota Lakes Bank reported 66.42% on loan-to-deposit ratio for Q2 2026, 14.53 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.0M |
| 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 | 66.42% |
| Net loans and leases to deposits | 65.63% |
| Loans and leases to core deposits | 69.45% |
| Core deposits to total deposits | 95.64% |
| 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 | 55.89% | 91.42% | $0 | $0 |
| Q4 2023 | 60.41% | 98.02% | $0 | $0 |
| Q1 2024 | 69.07% | 98.42% | $0 | $0 |
| Q2 2024 | 65.71% | 98.51% | $0 | $0 |
| Q3 2024 | 65.69% | 98.92% | $0 | $0 |
| Q4 2024 | 71.86% | 99.32% | $0 | $0 |
| Q1 2025 | 79.08% | 98.69% | $0 | $0 |
| Q2 2025 | 78.08% | 97.32% | $0 | $2.0M |
| Q3 2025 | 74.13% | 96.37% | $0 | $0 |
| Q4 2025 | 72.09% | 96.12% | $0 | $0 |
| Q1 2026 | 71.62% | 95.59% | $0 | $0 |
| Q2 2026 | 66.42% | 95.64% | $0 | $0 |
Minnesota Lakes Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnesota Lakes 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 Minnesota Lakes Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23986) · FFIEC NIC profile (RSSD 157650)