Neighborhood 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 46.9% lower than in Q1 2026, at $7.4M. Neighborhood National Bank ranks 128th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 77.24% (Q2 2026). Neighborhood National Bank reported 77.24% on loan-to-deposit ratio for Q2 2026, 3.60 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 | $12.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $110.6M |
| Fed funds sold and reverse repos | $7.4M |
| Fed funds sold and reverse repos to assets | 2.36% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $16.1M |
| Other borrowed money | $18.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.24% |
| Net loans and leases to deposits | 76.39% |
| Loans and leases to core deposits | 81.68% |
| Core deposits to total deposits | 91.15% |
| Brokered deposits to total deposits | 3.41% |
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 | 68.95% | 96.08% | $19.8M | $6.8M |
| Q4 2023 | 71.27% | 95.19% | $25.1M | $4.7M |
| Q1 2024 | 74.49% | 94.93% | $22.2M | $12.2M |
| Q2 2024 | 74.95% | 94.99% | $19.1M | $17.2M |
| Q3 2024 | 76.01% | 93.97% | $19.5M | $19.2M |
| Q4 2024 | 75.29% | 92.05% | $16.2M | $15.1M |
| Q1 2025 | 75.96% | 91.49% | $17.9M | $17.1M |
| Q2 2025 | 75.96% | 90.52% | $15.1M | $14.4M |
| Q3 2025 | 74.48% | 90.86% | $12.7M | $13.5M |
| Q4 2025 | 75.64% | 90.80% | $12.4M | $15.1M |
| Q1 2026 | 76.35% | 91.80% | $13.3M | $18.7M |
| Q2 2026 | 77.24% | 91.15% | $16.1M | $18.4M |
Neighborhood National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Neighborhood 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 Neighborhood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18885) · FFIEC NIC profile (RSSD 705556)