North American Banking Company: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
North American Banking Company reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $53.3M in Q3 2026, down 59.1% from $130.3M in Q3 2025. That is 3.8% of its total assets. Across the 12 quarters shown it ranged from $31.4M (Q3 2024) to $130.3M (Q3 2025).
The standout move of Q3 2026 was in Loans and leases to core deposits: 3.95 percentage points lower than in Q2 2026, at 77.60%. Within Minnesota, North American Banking Company is 166th of 221 on loan-to-deposit ratio, 68.70% as of Q3 2026. The median for banks in the $1B-10B asset tier is 88.13% on loan-to-deposit ratio. North American Banking Company sits 19.44 points lower, at 68.70% (Q3 2026).
Liquid assets
Largest change in this table: cash and balances due from depository institutions, down 36.7% to $53.3M in Q3 2026 after $84.2M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $53.3M |
| Cash and noninterest-bearing balances to assets | 3.82% |
| Cash and securities | $499.1M |
| Fed funds sold and reverse repos | $58.3M |
| Fed funds sold and reverse repos to assets | 4.19% |
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Borrowed funds
Other borrowed money moved most in this table, down 33.6%: $113.0M in Q2 2026, $75.0M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $75.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 68.70% |
| Net loans and leases to deposits | 67.85% |
| Loans and leases to core deposits | 77.60% |
| Core deposits to total deposits | 88.52% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 59.67% | 92.87% | $0 | $100.0M |
| Q1 2024 | 61.28% | 93.94% | $0 | $100.0M |
| Q2 2024 | 62.47% | 94.74% | $0 | $116.0M |
| Q3 2024 | 63.87% | 95.63% | $0 | $108.0M |
| Q4 2024 | 61.81% | 85.89% | $0 | $100.0M |
| Q1 2025 | 61.79% | 86.46% | $0 | $100.0M |
| Q2 2025 | 67.33% | 86.51% | $0 | $75.0M |
| Q3 2025 | 67.36% | 86.44% | $0 | $50.0M |
| Q4 2025 | 68.54% | 86.06% | $0 | $50.0M |
| Q1 2026 | 67.50% | 86.43% | $0 | $50.0M |
| Q2 2026 | 72.13% | 87.99% | $0 | $113.0M |
| Q3 2026 | 68.70% | 88.52% | $0 | $75.0M |
North American Banking Company liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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)