Northern Interstate Bank, N.A.: 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 Other borrowed money: 100.0% higher than in Q1 2026, at $10.0M. On loan-to-deposit ratio, Northern Interstate Bank, N.A. is 6th from the bottom among 72 Michigan banks, 47.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Northern Interstate Bank, N.A. sits 32.94 points lower, at 47.90% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $98.3M |
| Fed funds sold and reverse repos | $154K |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.90% |
| Net loans and leases to deposits | 47.44% |
| Loans and leases to core deposits | 49.25% |
| Core deposits to total deposits | 97.26% |
| 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 | 39.70% | 98.30% | $1.5M | $3.2M |
| Q4 2023 | 43.16% | 98.05% | $2.0M | $10.5M |
| Q1 2024 | 43.24% | 97.95% | $0 | $14.0M |
| Q2 2024 | 43.71% | 97.76% | $0 | $13.5M |
| Q3 2024 | 46.72% | 97.57% | $1.1M | $13.5M |
| Q4 2024 | 47.09% | 96.97% | $397K | $14.0M |
| Q1 2025 | 45.17% | 97.04% | $0 | $8.5M |
| Q2 2025 | 42.60% | 96.79% | $0 | $5.0M |
| Q3 2025 | 44.44% | 96.78% | $0 | $5.0M |
| Q4 2025 | 46.78% | 97.00% | $782K | $9.0M |
| Q1 2026 | 46.15% | 97.49% | $0 | $5.0M |
| Q2 2026 | 47.90% | 97.26% | $0 | $10.0M |
Northern Interstate Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern Interstate Bank, N.A., 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 Northern Interstate Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13784) · FFIEC NIC profile (RSSD 289056)