North American Banking Company: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, North American Banking Company reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $1.11B in Q3 2026, down 1.4% from $1.13B in Q3 2025. That is 80.0% of its total assets. Across the 12 quarters shown it ranged from $1.07B (Q2 2024) to $1.19B (Q4 2024).
Deposits to total liabilities climbed 6.39 percentage points in Q3 2026, from 79.05% to 85.44%. It was the largest change from Q2 2026 among the key lines here. On total deposits, North American Banking Company ranks 13th highest among the 221 banks headquartered in Minnesota, at $1.11B (Q3 2026). The median for banks in the $1B-10B asset tier is $1.68B on total deposits. North American Banking Company sits 34% lower, at $1.11B (Q3 2026).
Deposit totals
| Line item | Q3 2026 |
|---|---|
| Total deposits | $1.11B |
| Domestic office deposits | $1.11B |
| Foreign office deposits | — |
| Deposits to total assets | 80.01% |
| Deposits to total liabilities | 85.44% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
Largest change in this table: time deposits under $100k, down 45.2% to $6.0M in Q3 2026 after $10.9M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $525.9M |
| Savings deposits | $0 |
| Transaction accounts to domestic deposits | 85.69% |
| Time deposits to total deposits | 14.31% |
| Time deposits under $100k | $6.0M |
| Time deposits $100k to $250k | $25.6M |
| Time deposits over $250k | $128.0M |
| Noninterest-bearing share of deposits | 39.69% |
Stability of funding
Uninsured deposits to total deposits moved most in this table, up 0.85 points: 81.22% in Q2 2026, 82.07% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $986.8M |
| Core deposits to total deposits | 88.52% |
| Insured deposits | $201.1M |
| Uninsured deposits | $914.8M |
| Uninsured deposits to total deposits | 82.07% |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
Loans and leases to core deposits changed the most here, down 3.95 points to 77.60% in Q3 2026 from 81.55% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.44% |
| Interest expense on deposits | $5.7M |
| Loans and leases to core deposits | 77.60% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q4 2023 | $1.14B | 92.87% | 74.30% | 3.34% | 4.82% |
| Q1 2024 | $1.11B | 93.94% | 75.36% | 2.06% | 4.50% |
| Q2 2024 | $1.07B | 94.74% | 75.52% | 1.40% | 4.50% |
| Q3 2024 | $1.11B | 95.63% | 81.59% | 0.63% | 4.53% |
| Q4 2024 | $1.19B | 85.89% | 80.85% | 1.73% | 4.05% |
| Q1 2025 | $1.19B | 86.46% | 80.49% | 1.73% | 3.73% |
| Q2 2025 | $1.13B | 86.51% | 80.40% | 1.33% | 3.73% |
| Q3 2025 | $1.13B | 86.44% | 80.55% | 1.33% | 3.86% |
| Q4 2025 | $1.11B | 86.06% | 81.49% | 0.90% | 3.55% |
| Q1 2026 | $1.14B | 86.43% | 81.68% | 0.88% | 3.26% |
| Q2 2026 | $1.09B | 87.99% | 81.22% | 0.46% | 3.26% |
| Q3 2026 | $1.11B | 88.52% | 82.07% | 0.00% | 3.44% |
North American Banking Company deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full North American Banking Company profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 34836) · FFIEC NIC profile (RSSD 2631846)