Northeast 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.
Brokered deposits to total deposits dropped 1.94 percentage points in Q2 2026, from 8.50% to 6.56%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Northeast Bank is 121st of 221 on loan-to-deposit ratio, 78.44% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Northeast Bank reported 78.44% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.1M |
| Cash and noninterest-bearing balances to assets | 2.88% |
| Cash and securities | $235.1M |
| 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 | $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 | 78.44% |
| Net loans and leases to deposits | 77.69% |
| Loans and leases to core deposits | 83.08% |
| Core deposits to total deposits | 87.85% |
| Brokered deposits to total deposits | 6.56% |
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 | 76.38% | 95.27% | $0 | $20.2M |
| Q4 2023 | 82.43% | 93.15% | $0 | $62.8M |
| Q1 2024 | 74.79% | 93.12% | $0 | $0 |
| Q2 2024 | 76.39% | 94.16% | $0 | $5.5M |
| Q3 2024 | 75.48% | 93.96% | $0 | $0 |
| Q4 2024 | 87.53% | 81.99% | $55.0M | $26.3M |
| Q1 2025 | 78.23% | 79.58% | $10K | $0 |
| Q2 2025 | 78.34% | 76.79% | $0 | $0 |
| Q3 2025 | 80.99% | 81.91% | $0 | $8.5M |
| Q4 2025 | 85.15% | 84.80% | $0 | $35.3M |
| Q1 2026 | 79.80% | 86.17% | $0 | $0 |
| Q2 2026 | 78.44% | 87.85% | $0 | $0 |
Northeast Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast 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 Northeast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16659) · FFIEC NIC profile (RSSD 689357)