Minnesota National 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.
Other borrowed money climbed 278.6% in Q2 2026, from $3.5M to $13.2M. It was the largest change from Q1 2026 among the key lines here. Minnesota National Bank ranks 47th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 94.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Minnesota National Bank sits 14.01 points higher, at 94.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.0M |
| Cash and noninterest-bearing balances to assets | 2.33% |
| Cash and securities | $45.3M |
| 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 | $13.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.84% |
| Net loans and leases to deposits | 93.84% |
| Loans and leases to core deposits | 98.97% |
| Core deposits to total deposits | 91.89% |
| Brokered deposits to total deposits | 3.95% |
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 | 76.74% | 88.66% | $2.5M | $11.5M |
| Q4 2023 | 69.10% | 89.79% | $0 | $11.5M |
| Q1 2024 | 84.22% | 87.82% | $2.0M | $22.5M |
| Q2 2024 | 88.31% | 87.61% | $2.5M | $29.0M |
| Q3 2024 | 86.87% | 88.13% | $0 | $24.0M |
| Q4 2024 | 87.59% | 89.84% | $0 | $25.0M |
| Q1 2025 | 94.59% | 90.54% | $0 | $32.0M |
| Q2 2025 | 96.43% | 90.97% | $0 | $34.0M |
| Q3 2025 | 94.03% | 91.38% | $0 | $23.0M |
| Q4 2025 | 92.68% | 91.46% | $2.0M | $15.0M |
| Q1 2026 | 90.29% | 91.82% | $1.0M | $3.5M |
| Q2 2026 | 94.84% | 91.89% | $0 | $13.2M |
Minnesota National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnesota National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5249) · FFIEC NIC profile (RSSD 799751)