North Star 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 Loans and leases to core deposits: 2.77 percentage points higher than in Q1 2026, at 78.27%. North Star Bank ranks 151st of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 72.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. North Star Bank sits 8.71 points lower, at 72.13% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $130.6M |
| Fed funds sold and reverse repos | $270K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.13% |
| Net loans and leases to deposits | 71.31% |
| Loans and leases to core deposits | 78.27% |
| Core deposits to total deposits | 92.15% |
| 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 | 73.93% | 93.04% | $0 | $0 |
| Q4 2023 | 77.20% | 92.49% | $124K | $0 |
| Q1 2024 | 77.98% | 89.35% | $0 | $0 |
| Q2 2024 | 75.26% | 88.28% | $0 | $0 |
| Q3 2024 | 70.94% | 89.12% | $0 | $0 |
| Q4 2024 | 74.65% | 91.16% | $0 | $0 |
| Q1 2025 | 74.15% | 93.00% | $0 | $0 |
| Q2 2025 | 74.65% | 93.59% | $0 | $0 |
| Q3 2025 | 70.07% | 93.77% | $0 | $0 |
| Q4 2025 | 67.80% | 93.48% | $0 | $0 |
| Q1 2026 | 69.95% | 92.65% | $0 | $0 |
| Q2 2026 | 72.13% | 92.15% | $0 | $0 |
North Star Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North Star 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 North Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16733) · FFIEC NIC profile (RSSD 750051)