MY Kind of Bank, N.A.: 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 dropped 53.7% in Q2 2026, from $23.2M to $10.7M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, MY Kind of Bank, N.A. is 110th of 221 on loan-to-deposit ratio, 81.58% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; MY Kind of Bank, N.A. reported 81.58% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $92.0M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 0.24% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $609K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.58% |
| Net loans and leases to deposits | 80.66% |
| Loans and leases to core deposits | 93.12% |
| Core deposits to total deposits | 87.61% |
| 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 | 81.54% | 91.22% | $0 | $22.3M |
| Q4 2023 | 83.29% | 90.95% | $0 | $27.3M |
| Q1 2024 | 76.55% | 91.72% | $0 | $9.3M |
| Q2 2024 | 78.33% | 90.72% | $0 | $9.3M |
| Q3 2024 | 79.45% | 89.86% | $0 | $5.3M |
| Q4 2024 | 82.21% | 90.24% | $0 | $9.3M |
| Q1 2025 | 82.94% | 89.65% | $0 | $9.3M |
| Q2 2025 | 82.50% | 88.90% | $0 | $7.3M |
| Q3 2025 | 82.22% | 87.93% | $1.7M | $349K |
| Q4 2025 | 77.99% | 86.78% | $0 | $557K |
| Q1 2026 | 78.62% | 87.49% | $0 | $518K |
| Q2 2026 | 81.58% | 87.61% | $0 | $609K |
MY Kind of Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock MY Kind of Bank, N.A., 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 MY Kind of Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5162) · FFIEC NIC profile (RSSD 23456)