Minster 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.
Fed funds sold and reverse repos dropped 76.6% in Q2 2026, from $12.7M to $3.0M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Minster Bank is 131st of 156 on loan-to-deposit ratio, 64.30% as of Q2 2026, below the middle of the field. Minster Bank reported 64.30% on loan-to-deposit ratio for Q2 2026, 16.54 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $89.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $327.7M |
| Fed funds sold and reverse repos | $3.0M |
| Fed funds sold and reverse repos to assets | 0.37% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $13.8M |
| Other borrowed money | $785K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.30% |
| Net loans and leases to deposits | 63.52% |
| Loans and leases to core deposits | 67.89% |
| Core deposits to total deposits | 94.71% |
| 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 | 52.39% | 98.29% | $14.0M | $1.1M |
| Q4 2023 | 53.34% | 97.95% | $12.9M | $1.0M |
| Q1 2024 | 53.67% | 97.73% | $12.5M | $1.0M |
| Q2 2024 | 54.23% | 97.57% | $14.4M | $980K |
| Q3 2024 | 55.79% | 97.57% | $14.0M | $956K |
| Q4 2024 | 55.70% | 97.28% | $17.2M | $932K |
| Q1 2025 | 56.16% | 97.16% | $17.1M | $908K |
| Q2 2025 | 59.09% | 96.85% | $21.0M | $884K |
| Q3 2025 | 56.94% | 95.06% | $15.9M | $860K |
| Q4 2025 | 62.46% | 95.89% | $21.3M | $835K |
| Q1 2026 | 62.62% | 94.73% | $16.3M | $810K |
| Q2 2026 | 64.30% | 94.71% | $13.8M | $785K |
Minster Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Minster 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 Minster Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 763) · FFIEC NIC profile (RSSD 604024)