North Shore Bank of Commerce: 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.
Other borrowed money dropped 27.0% in Q2 2026, from $29.6M to $21.6M. It was the largest change from Q1 2026 among the key lines here. North Shore Bank of Commerce ranks 63rd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 91.30% (Q2 2026). North Shore Bank of Commerce reported 91.30% on loan-to-deposit ratio for Q2 2026, 10.46 points above 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 | — |
| Cash and noninterest-bearing balances to assets | 4.89% |
| Cash and securities | $83.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $21.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.30% |
| Net loans and leases to deposits | 90.72% |
| Loans and leases to core deposits | 97.44% |
| Core deposits to total deposits | 93.62% |
| Brokered deposits to total deposits | 0.08% |
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 | 96.11% | 97.52% | $0 | $50.2M |
| Q4 2023 | 95.51% | 97.69% | $0 | $42.5M |
| Q1 2024 | 103.32% | 97.14% | $0 | $71.8M |
| Q2 2024 | 104.40% | 96.59% | $0 | $71.5M |
| Q3 2024 | 104.82% | 95.89% | $0 | $71.9M |
| Q4 2024 | 98.68% | 89.72% | $0 | $41.4M |
| Q1 2025 | 93.31% | 93.25% | $0 | $29.6M |
| Q2 2025 | 91.87% | 93.50% | $0 | $29.6M |
| Q3 2025 | 92.18% | 93.64% | $0 | $29.6M |
| Q4 2025 | 89.14% | 93.15% | $0 | $29.6M |
| Q1 2026 | 92.04% | 92.99% | $0 | $29.6M |
| Q2 2026 | 91.30% | 93.62% | $0 | $21.6M |
North Shore Bank of Commerce liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North Shore Bank of Commerce, 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 North Shore Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8850) · FFIEC NIC profile (RSSD 126553)